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Contributor
Posts: 322
Registered: ‎10-19-2012
0

Re: US Bank Cash + Visa Signature


Dustink wrote:

GomerPyle wrote:

Imhotrodcrazy wrote:

Just received my first extra $25 rewards card on my Cash+ card, ( for letting rewards add up to $100 ), for the previous month of Sept.  In Oct., I have already spent $2000 on home improvements so that will get me another $100 in rewards.  In addition, I have a platinum account so that will get me another half percent and since I have gone over the $100 saved amount I will receive the additional $25 card.  So, my rewards will be $135, or  a 6 3/4% return. That is not bad.  I love the card, and US Bank. 


Congratulations on gaining great rewards.  I too have been getting a great return in rewards. I am however convinced that this card is not sustainable for US Bank. I predict in the not too distant future the reward parameters will change. They are already practicing a bait and switch tactic by not issuing the Cash + to all who apply. I fully expect there will be a lowering of cash reward opportunity in the future. I will use it extensively until that sad day arrives.


+1

 

I felt that as soon as I noticed the card. I am just hoping it will still be around in 6 months.

 


I don't know, this card is getting advertised on their website. My guess is for them to get new customers in to their branches.  The card is a good deal and is putting US Banks name on the map for once on the credit card market. From an advertising prospective it would not be a good choice for US Bank to change this card or stop issuing it.

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
Contributor
Posts: 322
Registered: ‎10-19-2012
0

Re: US Bank Cash + Visa Signature


maiden_girl wrote:

Seeing this thread is making me want to APP for this final card but I'm not ready for it yet and I know it will be denied!!!

 

STOP ME! LOL!


Its a great card, you should get it.
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
Contributor
Posts: 322
Registered: ‎10-19-2012
0

Re: US Bank Cash + Visa Signature

Anyone else getting approved for this card?  What are your experiences?

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
Member
Posts: 12
Registered: ‎06-18-2012
0

Re: US Bank Cash + Visa Signature

I realize this is a little late posting, but just giving my input. I have had the Cash+ Card for about 5 months and I love it. The rewards cash back you receive I think is great, there may be other cards out there, but this one is definitely good from my perspective. 

 

I also bank with US Bank, so I have been satisfied, I would recommend it.

Established Contributor
Posts: 652
Registered: ‎12-12-2012
0

Re: US Bank Cash + Visa Signature

Really?  I thought that would count.  I put all my movie and music items on my Citi Forward.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Established Contributor
Posts: 652
Registered: ‎12-12-2012
0

Re: US Bank Cash + Visa Signature

This card is very interesting.  If the Cash+ went away, I would go for this.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: US Bank Cash + Visa Signature


FutureBillionaire wrote:

Really?  I thought that would count.  I put all my movie and music items on my Citi Forward.


Remember Citi Forward is a 5 point per dollar card, and not really a 5% unless you got the Citi Preferred in the mix.  

 

Citi Forward is really 4 points (4 cent value) per dollar spent. If you also have a Citi Preferred it'll equal 5 cent value. If you have a Citi travel card ($120 annual fee or $495) you can get upto 1.33% for travel.

 

Also don't forget Amazon.com is still considered a bookstore :smileywink: Nice getting 5 points for buying a $800 projector :smileywink:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
Posts: 197
Registered: ‎07-26-2012
0

Re: US Bank Cash + Visa Signature

Is there a general consensus on what is the minimum credit score requirement to get this credit card?

Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Established Contributor
Posts: 652
Registered: ‎12-12-2012
0

Re: US Bank Cash + Visa Signature


distantarray wrote:

FutureBillionaire wrote:

Really?  I thought that would count.  I put all my movie and music items on my Citi Forward.


Remember Citi Forward is a 5 point per dollar card, and not really a 5% unless you got the Citi Preferred in the mix.  

 

Citi Forward is really 4 points (4 cent value) per dollar spent. If you also have a Citi Preferred it'll equal 5 cent value. If you have a Citi travel card ($120 annual fee or $495) you can get upto 1.33% for travel.

 

Also don't forget Amazon.com is still considered a bookstore :smileywink: Nice getting 5 points for buying a $800 projector :smileywink:


I use it all the time on Amazon.  I may go ahead and switch my Rhapsody and Hulu to the Cash +.  The total is about 23 bucks for the bill, so I might not go through the hassle.  Every other bill is paid through there.

 

Does the 5% for bill pay count if I pay my insurance lump sum?

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Established Contributor
Posts: 652
Registered: ‎12-12-2012
0

Re: US Bank Cash + Visa Signature


Imhotrodcrazy wrote:

Just received my first extra $25 rewards card on my Cash+ card, ( for letting rewards add up to $100 ), for the previous month of Sept.  In Oct., I have already spent $2000 on home improvements so that will get me another $100 in rewards.  In addition, I have a platinum account so that will get me another half percent and since I have gone over the $100 saved amount I will receive the additional $25 card.  So, my rewards will be $135, or  a 6 3/4% return. That is not bad.  I love the card, and US Bank. 


So how long did it take you to get the card?

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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