@mikelo22 wrote:
@Anonymous wrote:
Nerfing and US Nerf bank.
This. US Bank, as an institution, is just as much a negative as the nerfs themselves. I've just never had good experiences with the bank and if possible, I will refrain from doing business with them. The fact the card has been nerfed into oblivion only further validates my position.
It's not easy to see how the categories have gone to "oblivion"; people do have use for the categories on offer. Not everyone may find this card useful, but it's not a card that'll just sit there for everyone else.
For me, this card is finding more spend per month than my QuickSilver, for this quarter (and as I foresee, for the rest of the year). Does it mean Q/S has been driven to oblivion? For many people who don't have specialized store cards, it offers round-the-year 5% on clothing and department stores, 5% on car rentals with Visa Signature collision damage / roadside assistance, 5% bookstores (which going by MCC, may very well include Amazon), also gym, cell phone, electronics, sporting goods etc.
It may not suit your need; just as Citi TY Premier / Prestige / AMEX Platinum doesn't suit my needs. To me, their rewards will seem lacklustre, along with some hefty annual fee for next to nothing. I don't go around saying those are some sad cards.
And please, let's stop making US Bank the bait 'n' switch bad boy. AMEX does it too, as a poster mentioned. Other banks generally have the same reward structure across Plat / Signature / World / World Elite etc levels so when they auto downgrade, rewards remain the same. But many of them do auto downgrades, giving away Plat cards instead of Sig cards.
This card costs $0 in AF; and posters have success with upgrading the low-tier card later.
US Bank is reluctant to PC co-branded cards but so are most banks.
