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Established Contributor
Posts: 620
Registered: ‎05-09-2009
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US BANK

I wanted to stop by the forum here before i look further.  Last year US Bank sent several solicitations for various card products. I shredded them.  My question is, do they offer card products in all 50 states now, even though we don't have any branches here in WV?  I know that those solicitations are mass mailed, and some apply, only to be denied because they offer no services in a particular area.  I may cold app for the Cash+ soon, and was wondering if anyone has some insight on this?  I guess i could always call, but thought i'd check here first. When i go to their website it says apply now, but i  don't want a HP for nothing.  Thanks in advance...........

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


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Posts: 3,099
Registered: ‎10-02-2012
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Re: US BANK

The cash+ has a limited market, but the flexperks does not. The flexperks may very well be a better product.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


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Established Contributor
Posts: 620
Registered: ‎05-09-2009
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Re: US BANK


Dustink wrote:

The cash+ has a limited market, but the flexperks does not. The flexperks may very well be a better product.


Thanks, Dustink--

Appreciate that!  It is a toss up between those two.  In fact, the solications were, i believe, for the Flexperks.  Thanks...

 

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 46.5k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2k
Valued Contributor
Posts: 1,985
Registered: ‎01-24-2012
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Re: US BANK


Dustink wrote:

The cash+ has a limited market, but the flexperks does not. The flexperks may very well be a better product.


I don't know if this is true anymore. There is no US Bank branch within 100 miles of Maryland and I had no issues.

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Posts: 7,132
Registered: ‎02-27-2013
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Re: US BANK

this honestly depends on what kind of card you want.

if you want a cashback card, the cash+ is a much better card than flexperks.

If you want a travel card, the cash+ gives u 5% for hotels only. Airlines is discontinued as far as I know, so it isn't that great anymore. Flexperks would be better in this aspect. But for travel cards, there are other better alternatives imo.

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Registered: ‎10-02-2012
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Re: US BANK


enharu wrote:

this honestly depends on what kind of card you want.

if you want a cashback card, the cash+ is a much better card than flexperks.

If you want a travel card, the cash+ gives u 5% for hotels only. Airlines is discontinued as far as I know, so it isn't that great anymore. Flexperks would be better in this aspect. But for travel cards, there are other better alternatives imo.


I still haven't found a card that offers better rewards for domestic travel.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


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Re: US BANK


navigatethis12 wrote:

Dustink wrote:

The cash+ has a limited market, but the flexperks does not. The flexperks may very well be a better product.


I don't know if this is true anymore. There is no US Bank branch within 100 miles of Maryland and I had no issues.


Nice

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


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Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: US BANK

[ Edited ]

Dustink wrote:

enharu wrote:

this honestly depends on what kind of card you want.

if you want a cashback card, the cash+ is a much better card than flexperks.

If you want a travel card, the cash+ gives u 5% for hotels only. Airlines is discontinued as far as I know, so it isn't that great anymore. Flexperks would be better in this aspect. But for travel cards, there are other better alternatives imo.


I still haven't found a card that offers better rewards for domestic travel.


depends on from where to where you are travelling.

the citi thank you premier is a nice travel card in general but you have to be spending a lot on that card, and be flying quite a bit.

it gives you 1 TY point per mile of flight you fly, so thats a nice plus. if you're on LA to NYC or those cross country flights a lot, those points add up fast. but if you're on very short haul flights, then its quite pointless. your spending also has to match the miles you fly.

also, they're improving rewards on that card starting july. its 3x for dining / entertainment, 2x travel, 1x rest, on top of anniversary and other bonuses.

so in general, it really depends on what flights you're flying and how far the flight itself is.

to add: the ty premier is of course even nicer for international flights. LAX to Korea round trip is about 11k miles. thats bout $110 in rewards alone and roundtrip tickets are about $1000-1200 for korean air, so its a nice 10% discount approx. and you still get miles for that purchase, and redemption of points for flight is 33% bonus or something

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
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Posts: 1,129
Registered: ‎01-20-2011
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Re: US BANK

I got my flexperks select rewards in 2011. I don't think there is any US Bank branch here in MA.

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Registered: ‎10-02-2012
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Re: US BANK


vish1 wrote:

I got my flexperks select rewards in 2011. I don't think there is any US Bank branch here in MA.


You should think about getting the black flexperks card. The rewards are much better.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


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