U.S. Bank Cash+ Visa Signature Reviews

Summary of a Reddit post

They love their Cash+ and consider it an excellent card, and they have been thinking about getting a second one to cover more spending with the 5% category choices.

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They use the Cash+ for utilities; the app showed 1% on water and electricity, but after the statement posted their rewards balance reflected the correct 5%.

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They converted their Shopper card to the Cash+ and use it for utilities and internet, earning 5% back on those with no annual fee.

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They were given a low starting limit on the Cash+, called the same day and had it raised right away, even after opening five cards in two months. They found US Bank did not seem to mind recent openings.

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They redeemed Cash+ cash back the previous month with cents still working and saw no sign of the whole-dollar restriction, noting Amazon redemption as a workaround.

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They put a large amount of utility spending on the card each quarter. Their utilities charge a card payment fee, but the 5% bonus always more than covers it.

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They always choose utilities as a 5% category, since their utility spend nearly fills the quarterly bonus cap by itself, leaving no room for a second category.

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They choose home utilities and TV, streaming and internet services as their 5% categories, and were pleasantly surprised that Google Fi wireless also earned the 5% bonus.

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They use utilities and gym as their 5% categories. Utilities use up most of the quarterly bonus cap, but they still take the 5% on a gym membership because no other card pays that.

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They have used the Cash+ regularly as a primary card for about two years, mainly for 5% on utility bills and mobile wallet purchases, and say it has not been nerfed and works as expected.

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They pay their town sewer bill with the card and it counts as a utility. The town recently added a fee for card payments, but they still come out ahead after the bonus.

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They hold three of these cards for the utilities of their home and rental properties. Tracking each card's quarterly cap takes some work, but they say it is worth the effort for a no fee card.

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They recommend the Cash+ for its 5% utilities category and love their setup with it, paired with a basic checking account whose monthly fee has stayed waived.

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They use the Cash+ card specifically for the 5% category on utilities and their cell phone bill as part of a cash back stack, with no annual fee.

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They earn 5% back on home utilities with this card and the signup bonus was worthwhile. They like that the app shows the reward earned on every transaction so they can see whether a category worked.

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They got the card only for the 5% utilities category and say it is worth keeping for that, but they would drop the card if that category were ever removed.

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They use this card for 5% back on their utilities and phone bill and have never needed the 2% category. They see the card's value in the 5% categories alone.

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They call the 5% home utilities category darn good and say nothing else they have seen comes close. They earned no cash back on those bills before getting this card.

Summary of a Reddit post

They use the card only for 5% back on their utilities and phone bill, and use other cards for groceries and gas. If the utility category were cut, the card would go into a drawer.

Summary of a Reddit post

They never use the 2% categories because they have better cards for those, but they find 5% back on their cell phone and internet bills a handy benefit of this card.