Cash-back card
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Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 6 reviews mentioning hard to redeem Show all
Reddit · r/CreditCards · May 18, 2025
MixedSummary of a Reddit post
They use the Cash+ for subscriptions, internet and utilities with Real-Time Rewards, but noticed the redemption value quietly dropped. Statement credit remains one to one, so they treat it as a minor annoyance.
Reddit · r/CreditCards · Sep 27, 2026
NegativeSummary of a Reddit post
Set up for 5% on utilities until July, then utilities only earned 1%; customer service closed a ticket with a letter blaming merchant coding changes, and a department store purchase also earned 1% while a partial return deducted 5%.
Reddit · r/CreditCards · Jun 5, 2026
MixedSummary of a Reddit post
They hit the same whole-dollar redemption limit on the Cash+ when sending cash back to checking, though a statement credit to the penny worked, and found the Smartly card handled it differently.
Reddit · r/CreditCards · Jun 4, 2026
NegativeSummary of a Reddit post
They hold two Cash+ cards and report that, after years of monthly cash back redemptions, the app and website now block redeeming cents, forcing a call to cardmember services.
Reddit · r/CreditCards · Jul 17, 2026
MixedSummary of a Reddit post
They say the Cash+ redeems 1:1 as a statement credit, unlike Altitude cards, and tolerate the redemption minimum given their high utility bills.
Reddit · r/CreditCards · Jun 7, 2026
NegativeSummary of a Reddit post
They have used the Cash+ for years redeeming for cash, but are now told to redeem in fixed increments, leaving a small balance stuck in the account.
Of the 91 reviews with a clear verdict, 67% are positive, 16% mixed and 16% negative. The praise mentioned most is great rewards. The most common complaint is hard to redeem.
The praise reviewers mention most: great rewards (49 reviews), easy to use (5 reviews) and low fees (4 reviews). For example: Calls the Cash+ a card you can age with and says earning 5% back on utility bills is their favorite bonus of all their cards.
The complaints reviewers mention most: hard to redeem (6 reviews), poor support (6 reviews) and buggy app (4 reviews). For example: They have used the Cash+ for years redeeming for cash, but are now told to redeem in fixed increments, leaving a small balance stuck in the account.
It's how well reviewed U.S. Bank Cash+ Visa Signature is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Cash-back card. Type: Choose-your-category cash-back credit card. Fees: No annual fee. Rates & rewards: 5% cash back on your first $2,000 in combined purchases each quarter in two categories you choose; 2% on one everyday category.
91 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.