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Why do you love your Cash+?

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Frequent Contributor

Why do you love your Cash+?

I see a lot of members here expressing warm feelings towards their US Bank Cash+ cards. I don't have one and every time I look at the card's rewards structure, I find myself doubting whether I could get big value from it. The categories available for 5% cashback don't seem like high-spend areas for me. Maybe I'm unusual or maybe there's a nuance I'm not seeing, like how US Bank assigns charges to categories or something.

 

If you have a Cash+ and love it, can you explain how you use it? Please educate me!

 

(Just to clarify: I'm not trying to bash the card or anyone who has it. I'm happy you're happy with this card and I want to figure out whether/how to join you. Smiley Happy)


Message 1 of 28
27 REPLIES 27
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Established Contributor

Re: Why do you love your Cash+?

I don't have one, but I think one of the main appeals is that you can put it in the sock drawer and then run your bills through it for 5% cb.


Message 2 of 28
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Super Contributor

Re: Why do you love your Cash+?

I've thought about getting one for 5% on some pair of (a) internet/streaming, (b) cellular service, or (c) home utilities. For now, though, I'm getting the Amex Platinum credits...and may alternatively go with something with a bigger SUB among the Amex/Chase/BofA offerings.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 3 of 28
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Valued Contributor

Re: Why do you love your Cash+?

Easy answer for me, my power, gas, water and garbage bills comes to >$500/month and I get 5% back on it. I never use it for anything else 

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 4 of 28
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Community Leader
Super Contributor

Re: Why do you love your Cash+?


@dragontears wrote:

Easy answer for me, my power, gas, water and garbage bills comes to >$500/month and I get 5% back on it. I never use it for anything else 


This is answer I'd give if I had one. Not many cards out there that allow you to categorically earn cashback in utilities. Beats a generic 2%-3% card there

2020 is like a steak cooked well-done that needs to get out of my face. - @imapharmacygirl
Message 5 of 28
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Regular Contributor

Re: Why do you love your Cash+?

Its a future goal card but Id like it for TV, Internet & Streaming + Home Utilities. The more I browse MF the more I realize I want a simple collection of four cards or less that compliment my spending habits. Not SUB chasing so that doesn't really factor into it. Household bills aren't large amounts but they are consistent and I'd rather have 5% back vs. 1.5 or 2. 

 

Will be interesting to see responses. A lot of people here have far more sophisticated profiles and/or goals so I can understand why they would choose other cards. 

AAOA: 3 yrs 6 mo | UTIL: 5% | FICO 8: TBD 05/2021
Discover it $1.5 | Wayfair MC $4.5k | Cap One QS $1.2
Message 6 of 28
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Super Contributor

Re: Why do you love your Cash+?

I'm a fan of transaction alerts and ebills. How is Cash+ in those respects?

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 7 of 28
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Moderator

Re: Why do you love your Cash+?

I wish I could answer your question but U.S. Bank doesn't particularly care for my size.  They're the lender that wants me to lose weight (credit) before they'll even think about courting me.

 

To that I say ha!   I'm committed to remaining fat (credit) and sassy.   Smiley LOL   Besides, Bruno Mars says that I'm amazing just the way I am.  So U.S. Bank can kick rocks cause I ain't changin'  Smiley LOL

Message 8 of 28
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Moderator

Re: Why do you love your Cash+?


@wasCB14 wrote:

I'm a fan of transaction alerts and ebills. How is Cash+ in those respects?


Alerts are fine, you can set them up for any amount, and pick how you want them delivered (text, email ..or both).

No clue about ebills, don't use that feature. 

Message 9 of 28
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Moderator

Re: Why do you love your Cash+?

To clarify, if you use alerts for card not present you will be notified for any amount.

For transactions done with the physical card notifications start at $10

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