U.S. Bank Cash+ Visa Signature Reviews

Summary 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%.

Summary of a Reddit post

They say rewards often posted at only 1% at gas stations despite a 2% selection and at a furniture store despite a 5% category. They call US Bank rewards a scam and are paying it off to cancel.

Summary 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.

Summary of a Reddit post

They found the Cash+ sounded great in theory but gave little in practice because none of their utilities code for the 5% category, a point they flag for other applicants.

Summary 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.

Summary 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.

Summary 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.

Summary of a Reddit post

They are considering dropping US Bank because of hassle: category selections made in the app did not register, so they lost several quarters of bonus earn, and the app later stopped showing their card.

Summary 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.

Summary 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.