U.S. Bank Cash+™ Visa Signature® Card Reviews

Approval Odds

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2.2 out of 5 stars
6 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

3 out of 5 stars

Customer Service

3 out of 5 stars

2 5
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These reviews were written by current and former cardholders in the last year.

Oct 28, 2017
No issues so far and decent categories
slusher46 Cardholder

I haven't had any of the same issues the other reviewers have had. I signed up just for the 5% on fast food/ground transport and the $100 sign up bonus. The credit was promply applied by the next statement once i met the requierments and every customer service agent has been nice and informative every time. The only thing that is pretty iffy is that the wait times for customer service can be reaalllly long, which is a first for any bank i've been apart of so that can be a big deal breaker. Also for some reason I was only approved for a $1,000 credit limit which is head scratching considering that my other cards vary between $2K-3K. Aisde from the spotty wait times and kinda low credit line, I have had nothing but positive expereinces with this card and bank overall.

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Oct 25, 2017
The best cheating rewards
Anonymous Cardholder

The US Bank will cheat you in terms of sign up rewards. They will update you that the bonus will be applied within 12 weeks after 90 days of opening the account. But you will never get it. When you contact the customer care, they will ignore it stating that there is no evidence of the offer on your account. Never ever try to take an account with US bank expecting a rewards bonus.

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Aug 11, 2017
Anonymous Cardholder

You won't get your 5% back on your at&t phone bill because the merchant description doesn't say CELLPHONE on it. Pretty bogus. What's funny is the companies that they say they accept don't even really apply. This is a "rewards" card that doesn't like to pay you rewards. Canceling it.

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May 04, 2017
USBank will not honor the 5% on merchant
Anonymous Cardholder

I paid my annual gym membership to corepower yoga, which i slisted on the USBank website as a "participating merchant". The rewards manager told me the charge came through as recreation so it would not qualify for the 5% reward. So why have it as a "participating merchant" I asked. The manaer told me is was just an example of the type of gym, and there is a footnote stating as much. The footnote was not related to the merchans listed, but there was no point going round and round with someone who was being deliberatley obtuse so I gave up. The point is, USBank does not honor its claims. Stay away!

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Aug 31, 2017

I have the same issue with my US Bank Cash + card and Corepower Yoga. It's because some Corepower charges come up as merchant code 7999 that is not associated with gyms (7997). US Bank should honor both codes but they don't.

 
Nov 26, 2016
Low credit limit and hold my money
ZHGWU Cardholder

i wont say have very good credit score but most of my other credit cards have far more limit that $500 which the usbank give me. well im fine i could use it well to earn more trust.

the most stupid thing to force me closing this account is that they hold my money: it was black friday i want to ensure i could use this card well so i over pay it for hundreds dollars 6 days before this friday, it's saturday now i still cannot make my purchase through! I called customer service they said they need hold the money for at least one week to ensure it got cleared, the money had already been taken from my bank account just the other day i pay my credit card! 

They just dont want lose money, ok i believe they lost a lot of customers.

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Nov 17, 2016
Best card to select your categories
kern417 Cardholder

I had a cash rewards card before and asked for a line increase, but they offered a cash + card instead. It's now my main card for gas and food, and i also pay my cell phone bill for 5% discounts. It's better than others i have found because you can pick your categories every quarter but the options stay the same, so you can get 5% on fast food all year and 2% on gas all year rather than only getting it certain quarters. I already have a US bank checking/savings account so it was a very easy transition, and i just use my cash rewards card for 1-2 purchases per month to keep it active since that one only gets 1% back.

This card combined with the Citi Double Cash card is the ultimate combo for me, I highly recommend it so you get no less than 2% back on all credit card purchases.

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U.S. Bank Cash+™ Visa Signature® Card