Cash-back card
How the signal works ↗Updated 12 NovCompare with Chase Freedom Unlimited
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 6 reviews mentioning poor support Show all
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 · Sep 3, 2026
NegativeSummary of a Reddit post
They are frustrated by how US Bank handles credit limit increases through a soft pull model and find the bank insanely frustrating to deal with, though the redemption change might make them like the card again.
Reddit · r/CreditCards · Jul 3, 2026
NegativeSummary of a Reddit post
They had a bad experience because their gas company did not count as a utility, so it earned no bonus, and support would not fix it after they opened a ticket.
Reddit · r/CreditCards · Jun 29, 2026
NegativeSummary of a Reddit post
They opened the Cash+ for 5% on utilities and streaming, but their water bill showed only 1% while Xfinity earned 5%; support on the phone gave unclear answers about how categories are assigned.
Reddit · r/USbank · Jan 7, 2026
NegativeSummary of a Reddit post
A scheduled card payment showed as missed with no pending record, and resubmitting led to the payment being debited twice; weeks of calls brought conflicting answers about the refund, and interest charged in the meantime was later refunded.
Reddit · r/CreditCards · Aug 13, 2025
NegativeSummary of a Reddit post
They have had the card for years for utilities, phone and internet, but a US Bank checking account needed to redeem rewards began charging a monthly fee with no notice, draining their cash back.
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.