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Established Contributor
Posts: 1,047
Registered: ‎02-03-2009
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Re: US Bank Cash + Visa Signature

[ Edited ]

Like I mentioned before, I got a 3k auto CLI after 2 months. People on other boards have mentioned getting auto CLIs as well. 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Contributor
Posts: 139
Registered: ‎05-30-2011
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Re: US Bank Cash + Visa Signature

Very nice card. I would consider this one if I ever needed another CC.


Experian (CreditSesame)- 823 (8/2/14), 823 (Credit.com) (8/2/2014)
Equifax Fico (Citi) Fico- 808 (12/23/14)
Transunion (Credit Karma)- 790 (8/2/14)
Vantagescore (Credit Karma)- 896 (8/2/14)
Vantagescore 3.0 (credit.com)- 805 (8/2/14)
Contributor
Posts: 322
Registered: ‎10-19-2012
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Re: US Bank Cash + Visa Signature

lets get this going again XD

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: US Bank Cash + Visa Signature


distantarray wrote:

maiden_girl wrote:

How is US Bank with CLIs tho?



$1500 CLi every 6 months soft pull. is what I been told, but that's assuming nothing's going bad


HP increase for more.

 

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


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: US Bank Cash + Visa Signature

I think the Cash+ and the flexperks signature are both great cards.

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


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor
Posts: 316
Registered: ‎04-07-2012
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Re: US Bank Cash + Visa Signature

I've heard nothing but good feedback about this card. This and the Flex perks with chip are on my wish list for next year's app spree! Today I opended a secondary account at US Bank to start building a relationship. I was about a get the $100 bonus for opening an account!!!!

Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
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Re: US Bank Cash + Visa Signature


Dustink wrote:

I think the Cash+ and the flexperks signature are both great cards.


+ 1 - I use this card for bill pay only. I get to the $100 bonus every six weeks. Nice to get that $25 gift card too!  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Established Contributor
Posts: 677
Registered: ‎09-12-2011
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Re: US Bank Cash + Visa Signature

I have nothing but good things to say about this card and highly recommend it, especially if you use the card in conjunction with a gold or platinum checking package with US Bank.  We had the gold checking package and just recently converted to the platinum package to earn the 50% bonus on the Cash+ Visa rewards.  So even on purchases that normally would just earn 1%, I'm earning 1.75% (if I include the $25 bonus for redeeming rewards in $100 increments - which I always do).

 

Of couse I'm using bill pay as one of my 5% categories and I am using department stores for my other 5% category.  I have grocery as my 2% category since I do most of my grocery shopping at Walmart or Target, and since those are considered discount stores by Amex, they don't qualify for the 3% on my BCE.

 

I was approved for this card on July 25th and received the card on August 2nd.  So I've had the card less than 3 months and I'm already about to cash in another $100 in rewards this week after my statement cuts tomorrow.  I love the ease in receiving my cash rewards as I can just choose to have the money deposited right into either my checking or my savings and it happens in mere seconds.  It does seem to take awhile to receive the $25 bonus Visa gift card, as I redeemed my first $100 at the end of September and still haven't received the $25 Visa gift card yet.  I'm thinking by the time Christmas rolls around, I'll have 3 of these Visa gift cards.  If they don't issue them with my name on them, I might give them as gifts.  :smileyhappy:  Otherwise I'll just take them to US Bank and exchange them for cash to deposit into our account.

 

What I love most right now is that there are no limits on the amount of rewards you can earn and there are no spending requirements with this card (hope that never changes!).  I've had a Discover card since 1991 and while I do use it, I do not like the $1,500 cap on the 5% rewards spending.  I also don't like the requirement of spending $3,000 before you earn the full 1%.  Yes, Discover has 5% for department stores for this quarter, but why would I use it when I can get unlimited 5% rewards on department stores with my Cash+ card?  Plus, Visa is accepted in a lot more places than Discover is.

 

 

FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 809 3/4/15; EX08 812 3/8/15 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $19.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $17.3K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $17.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Contributor
Posts: 322
Registered: ‎10-19-2012
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Re: US Bank Cash + Visa Signature


CribDuchess wrote:

I have nothing but good things to say about this card and highly recommend it, especially if you use the card in conjunction with a gold or platinum checking package with US Bank.  We had the gold checking package and just recently converted to the platinum package to earn the 50% bonus on the Cash+ Visa rewards.  So even on purchases that normally would just earn 1%, I'm earning 1.75% (if I include the $25 bonus for redeeming rewards in $100 increments - which I always do).

 

Of couse I'm using bill pay as one of my 5% categories and I am using department stores for my other 5% category.  I have grocery as my 2% category since I do most of my grocery shopping at Walmart or Target, and since those are considered discount stores by Amex, they don't qualify for the 3% on my BCE.

 

I was approved for this card on July 25th and received the card on August 2nd.  So I've had the card less than 3 months and I'm already about to cash in another $100 in rewards this week after my statement cuts tomorrow.  I love the ease in receiving my cash rewards as I can just choose to have the money deposited right into either my checking or my savings and it happens in mere seconds.  It does seem to take awhile to receive the $25 bonus Visa gift card, as I redeemed my first $100 at the end of September and still haven't received the $25 Visa gift card yet.  I'm thinking by the time Christmas rolls around, I'll have 3 of these Visa gift cards.  If they don't issue them with my name on them, I might give them as gifts.  :smileyhappy:  Otherwise I'll just take them to US Bank and exchange them for cash to deposit into our account.

 

What I love most right now is that there are no limits on the amount of rewards you can earn and there are no spending requirements with this card (hope that never changes!).  I've had a Discover card since 1991 and while I do use it, I do not like the $1,500 cap on the 5% rewards spending.  I also don't like the requirement of spending $3,000 before you earn the full 1%.  Yes, Discover has 5% for department stores for this quarter, but why would I use it when I can get unlimited 5% rewards on department stores with my Cash+ card?  Plus, Visa is accepted in a lot more places than Discover is.

 

 


Honstly I think Bill Pay is the best 5% cat there is I don't think there is a card out there that offers this.  Discover is doing 2% till the end of the year on bill pay but of course its not 5%

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Established Contributor
Posts: 677
Registered: ‎09-12-2011
0

Re: US Bank Cash + Visa Signature


RonDawg wrote:


Honstly I think Bill Pay is the best 5% cat there is I don't think there is a card out there that offers this.  Discover is doing 2% till the end of the year on bill pay but of course its not 5%


 

I agree 100%.  I mean, who doesn't have bills to pay?  This is one category that everyone benefits from.  I'm earning over $40 cash back per month just from the bill pay category.  You can even use it towards insurance payments.  I pay my State Farm insurance monthly with this card.  My son is going to get his driver's license next month and we will be adding him onto our insurance, so I know that bill is going to go up dramatically.  At least I can get 5% cash back - it eases the pain a bit.  :smileyhappy:

 

I think there is a card from Barclay's that offers 2% for utility payments.  Not sure if that includes insurance like US Bank's does.  But it still isn't 5%.

 

 

FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 809 3/4/15; EX08 812 3/8/15 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $19.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $17.3K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $17.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
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