Reddit · r/CreditCards · Nov 1, 2026
MixedSummary of a Reddit post
Got the Cash+ and spent six months cycling spend to use it for utilities; says the rewards calculations had to be fixed by calling in but it was worth the effort.
U.S. Bank Cash+ Visa Signature Reviews
Cash-back card
How the signal works ↗Updated 12 NovCompare with Chase Freedom Unlimited
What people mention
Often liked
Common concerns
Topics grouped from customer reviews, with how many mention each; read the originals below.
Real customer experiences (91)
Add your reviewReddit · r/CreditCards · Jul 3, 2026
MixedSummary of a Reddit post
They use the card only for utilities and say the rewards reliably pay out, but merchant category coding can be unreliable, and they would not trust other categories such as electronics or clothing stores.
Reddit · r/CreditCards · Jul 3, 2026
MixedSummary of a Reddit post
They found the gas utility service fee erased the benefit, but the card works well for streaming and department stores such as eBay. They do not like the minimum for redeeming rewards.
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 · Nov 1, 2026
MixedSummary of a Reddit post
Uses the quarterly 5% utilities category but does not earn it on their water bill because it is coded as a government organisation rather than a utility.
Reddit · r/CreditCards · Aug 27, 2026
MixedSummary of a Reddit post
They report the Cash+ rewards display showing 1% for a while on bonus category purchases until the statement is issued, then correcting, a quirk they have experienced themselves.
Reddit · r/CreditCards · Jul 3, 2026
MixedSummary of a Reddit post
They pair the card with a Bank of America card to free up a 5% category, prepay a utility with a flat card fee near quarter end, and delay choosing their Cash+ category each quarter.
Reddit · r/CreditCards · Jul 3, 2026
MixedSummary of a Reddit post
They use the card for gyms and utilities, two categories where other cards earned them under 2%, and accept that US Bank's infrastructure is poor because 5% cash back is worth it.
Reddit · r/CreditCards · Jul 1, 2026
MixedSummary of a Reddit post
Uses it for 5% on internet and utilities, but purchases show 5% while pending and the reward amount and percentage drop to 1% once posted, leaving them unsure it is working properly.
Reddit · r/CreditCards · Jun 29, 2026
MixedSummary of a Reddit post
They have held the Cash+ for about two and a half years; the app often shows a 1% earn rate on utilities and streaming, but the rewards actually credited are correct.
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 · Apr 11, 2026
MixedSummary of a Reddit post
They hold two of these cards covering utilities, furniture, internet and mobile phone, but their electric company changed payment processors and no longer codes as a utility, so only their water bill earns the bonus.
Reddit · r/CreditCards · Jan 27, 2025
MixedSummary of a Reddit post
They used the 2% grocery category at Walmart to help reach the minimum redemption on their card, but since getting a better grocery card they no longer have any use for the 2% categories.
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 · Aug 3, 2025
MixedSummary of a Reddit post
They use the card for their only direct utility bill, but their electric company limits prepaying and no longer supports PayPal bill pay, so they now pay monthly and are unsure whether to keep it.
Common questions about U.S. Bank Cash+ Visa Signature
Is U.S. Bank Cash+ Visa Signature worth it?
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.
What do people like about U.S. Bank Cash+ Visa Signature?
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.
What are the most common complaints about U.S. Bank Cash+ Visa Signature?
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.
What does the signal score of 78 mean?
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.
What are the specs of U.S. Bank Cash+ Visa Signature?
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.
Where do these U.S. Bank Cash+ Visa Signature reviews come from?
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.