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Established Contributor
shaun2009
Posts: 637
Registered: ‎03-07-2013

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.

Current Credit Cards
| Discover IT: $6.5K | PayPal MasterCard: $7.5K | US Bank Platinum: $5K | WalMart Discover: $5K |
| Sam's MasterCard $1.8K | Cap1 QuickSilver: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | US Bank Select $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, Chase Freedom, US Bank Cash+
Last Application: 6/23/2014
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012

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.

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Senior Contributor
longtimelurker
Posts: 5,267
Registered: ‎04-22-2013

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!)

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Established Contributor
shaun2009
Posts: 637
Registered: ‎03-07-2013

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...

Current Credit Cards
| Discover IT: $6.5K | PayPal MasterCard: $7.5K | US Bank Platinum: $5K | WalMart Discover: $5K |
| Sam's MasterCard $1.8K | Cap1 QuickSilver: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | US Bank Select $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, Chase Freedom, US Bank Cash+
Last Application: 6/23/2014
Senior Contributor
longtimelurker
Posts: 5,267
Registered: ‎04-22-2013

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.

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Established Contributor
shaun2009
Posts: 637
Registered: ‎03-07-2013

Re: US Bank Cash+ question

[ Edited ]

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...

Current Credit Cards
| Discover IT: $6.5K | PayPal MasterCard: $7.5K | US Bank Platinum: $5K | WalMart Discover: $5K |
| Sam's MasterCard $1.8K | Cap1 QuickSilver: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | US Bank Select $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, Chase Freedom, US Bank Cash+
Last Application: 6/23/2014
Established Contributor
shaun2009
Posts: 637
Registered: ‎03-07-2013

Re: US Bank Cash+ question

One more questions what is the AF for Cash+

Current Credit Cards
| Discover IT: $6.5K | PayPal MasterCard: $7.5K | US Bank Platinum: $5K | WalMart Discover: $5K |
| Sam's MasterCard $1.8K | Cap1 QuickSilver: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | US Bank Select $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, Chase Freedom, US Bank Cash+
Last Application: 6/23/2014
Established Contributor
CribDuchess
Posts: 587
Registered: ‎09-12-2011

Re: US Bank Cash+ question


shaun2009 wrote:

One more questions what is the AF for Cash+


No annual fee for the Cash+ card.  :smileyhappy:

FICOs: TU08 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom MC $7.5K; Citi Simplicity Visa $15.1K; Discover IT $22.5K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

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+. 


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