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US Bank Cash+ question

Established Contributor

US Bank Cash+ question

i wanted to know once that once you have the card and you choose your categories do you have to change the category every month or can you leave it the same month to month.

CH7 Filed (3/29/17) - 516 EQ, 517 TU, 483 EX -- Discharged (5/31/17) - 538 EQ 501 TU 559 EX
PenFed CLOC $500 - NFCU nRewards $2k - Merrick $800 - CreditOne $700 - VS $250 - Overstock $250 - KingSize $250 - Macys $5.8K (AU) - AmEx $1k (AU)
Message 1 of 9
8 REPLIES
Valued Contributor

Re: US Bank Cash+ question

Have to choose once a quarter and you can choose a quarter in advance.  If you don't choose, you don't get 5% and 2% credit.  In other words, they don't carry over choices.

               LIMITS IN CARD DESCRIPTIONS
Message 2 of 9
Mega Contributor

Re: US Bank Cash+ question


Crashem wrote:

Have to choose once a quarter and you can choose a quarter in advance.  If you don't choose, you don't get 5% and 2% credit.  In other words, they don't carry over choices.


And to answer the other part, you can always choose the same categories each quarter if you want (providing the category is still offered!)

Message 3 of 9
Established Contributor

Re: US Bank Cash+ question


longtimelurker wrote:

Crashem wrote:

Have to choose once a quarter and you can choose a quarter in advance.  If you don't choose, you don't get 5% and 2% credit.  In other words, they don't carry over choices.


And to answer the other part, you can always choose the same categories each quarter if you want (providing the category is still offered!)


So the categories arent always the same well that sucks...

CH7 Filed (3/29/17) - 516 EQ, 517 TU, 483 EX -- Discharged (5/31/17) - 538 EQ 501 TU 559 EX
PenFed CLOC $500 - NFCU nRewards $2k - Merrick $800 - CreditOne $700 - VS $250 - Overstock $250 - KingSize $250 - Macys $5.8K (AU) - AmEx $1k (AU)
Message 4 of 9
Mega Contributor

Re: US Bank Cash+ question


shaun2009 wrote:

longtimelurker wrote:

Crashem wrote:

Have to choose once a quarter and you can choose a quarter in advance.  If you don't choose, you don't get 5% and 2% credit.  In other words, they don't carry over choices.


And to answer the other part, you can always choose the same categories each quarter if you want (providing the category is still offered!)


So the categories arent always the same well that sucks...


They are always the same unless the get nerfed.  So Bill Pay, Home Improvement and Airline went away, but most of them are constant.  It is not Freedom/Discover type revolving of surprise categories.

Message 5 of 9
Established Contributor

Re: US Bank Cash+ question


longtimelurker wrote:

shaun2009 wrote:

longtimelurker wrote:

Crashem wrote:

Have to choose once a quarter and you can choose a quarter in advance.  If you don't choose, you don't get 5% and 2% credit.  In other words, they don't carry over choices.


And to answer the other part, you can always choose the same categories each quarter if you want (providing the category is still offered!)


So the categories arent always the same well that sucks...


They are always the same unless the get nerfed.  So Bill Pay, Home Improvement and Airline went away, but most of them are constant.  It is not Freedom/Discover type revolving of surprise categories.


ok cool thanks for clarifying i just knocked my list of cards down to 4 cards for everything i need and that was basically my last card to analyze. Everything else will be sock drawed until i need it.... such as my walmart and my charge cards others will be closed...

CH7 Filed (3/29/17) - 516 EQ, 517 TU, 483 EX -- Discharged (5/31/17) - 538 EQ 501 TU 559 EX
PenFed CLOC $500 - NFCU nRewards $2k - Merrick $800 - CreditOne $700 - VS $250 - Overstock $250 - KingSize $250 - Macys $5.8K (AU) - AmEx $1k (AU)
Message 6 of 9
Established Contributor

Re: US Bank Cash+ question

One more questions what is the AF for Cash+

CH7 Filed (3/29/17) - 516 EQ, 517 TU, 483 EX -- Discharged (5/31/17) - 538 EQ 501 TU 559 EX
PenFed CLOC $500 - NFCU nRewards $2k - Merrick $800 - CreditOne $700 - VS $250 - Overstock $250 - KingSize $250 - Macys $5.8K (AU) - AmEx $1k (AU)
Message 7 of 9
Established Contributor

Re: US Bank Cash+ question


shaun2009 wrote:

One more questions what is the AF for Cash+


No annual fee for the Cash+ card.  Smiley Happy

FICOs: TU08 850 EQ08 850 EX08 849

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; BofA TR Visa $18K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $50K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Message 8 of 9
Highlighted
Senior Contributor

Re: US Bank Cash+ question


shaun2009 wrote:

One more questions what is the AF for Cash+


Mine has no annual fee.  I believe that's pretty standard for all Cash+. 

Message 9 of 9