US Bank PC FlexPerks to Cash+ Visa

[durham]

Anyone have luck in converting FlexPerks to Cash+ CC? I used to have Northwest credit card but after the merger, they converted this card to FlexPerks. I asked for PC but they said I can't. Anyone successful PC these cards?

[hemi961]

I can't answer your question about FlexPerks to Cash+ but I just went the other way from Cash+ to FlexPerks last month, it only took a couple of minutes.

[durham]

What do you like about the FlexPerks?  I just didn't want to pay the $49/year for sitting in my socks drawer.

[solstice00]

And besides the reward points is horrible woth flexperks. 

(Also now you can apply for the cash+ via phone to your local branch. I don;'t know if that works if only they know you or something like that but saves a lot of trouble)

[Open123]

I had called last month requesting a PC from my Flexperks to the Cash+, but was denied.  I speculate the reason being twofold:  (1) the account was opened during the Olympics Medal sign up bonus; (2) the account has been open for less than 12 months.

I'm assuming if they allowed the PC, then instead of app'ing for the Cash+, everyone would apply for the Flexperk bonus then PC into the Cash+ later.

[Dustink]

I think the flexperks is superior to the cash+.

Flexpoints can be used at up to 2 cents each towards travel. This is a great value for domestic travel. Each reward redemption gives you a $25 incidental credit.

So, with a checking package you are earning around 3% on non bonus spending and 5-7% on bonus categories.

Af is waived with $2k monthly spend.

I haven't seen a better travel rewards card for domestic redemption's.

I have been offered a PC from flexperks to cash+, I declined because the flexperks is better.

[enharu]

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@Dustink wrote:

I think the flexperks is superior to the cash+.

Flexpoints can be used at up to 2 cents each towards travel. This is a great value for domestic travel. Each reward redemption gives you a $25 incidental credit.

So, with a checking package you are earning around 3% on non bonus spending and 5-7% on bonus categories.

Af is waived with $2k monthly spend.

I haven't seen a better travel rewards card for domestic redemption's.

I have been offered a PC from flexperks to cash+, I declined because the flexperks is better.

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its two different cards with two very different purposes though.

the cash+ u can get >5% cashback too if you have a checking and all that. if you're redeeming for >$100 cashback, you get $25 extra too, so that's essentially 25% extra cashback w/o even factoring the checking account in yet. if you made purchases on 5% categories only, thats 6.25%, and you can even make it higher if you have a checking account.

all for zero AF, and no cap. of course, it was better when it allowed u to pay bills w/ it. 

that being said, the flexperks is a good card as well of course.

[Dustink]

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@enharu wrote:

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@Dustink wrote:

I think the flexperks is superior to the cash+.

Flexpoints can be used at up to 2 cents each towards travel. This is a great value for domestic travel. Each reward redemption gives you a $25 incidental credit.

So, with a checking package you are earning around 3% on non bonus spending and 5-7% on bonus categories.

Af is waived with $2k monthly spend.

I haven't seen a better travel rewards card for domestic redemption's.

I have been offered a PC from flexperks to cash+, I declined because the flexperks is better.

---

its two different cards with two very different purposes though.

the cash+ u can get >5% cashback too if you have a checking and all that. if you're redeeming for >$100 cashback, you get $25 extra too, so that's essentially 25% extra cashback w/o even factoring the checking account in yet. if you made purchases on 5% categories only, thats 6.25%, and you can even make it higher if you have a checking account.

all for zero AF, and no cap. of course, it was better when it allowed u to pay bills w/ it. 

that being said, the flexperks is a good card as well of course.

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For sure good card to have, but so is the flexperks. I just PC'd my other US Bank card to Cash+, so now I have both. 

Don't they have cap's now?

[durham]

From what I've been reading, perhaps US Bank is doing PC on a case by case basis.  They would do it for some people but not others.  Since I already have other point rewards credit cards I have not been using this card in the past few months.  I just did not want to pay the AF for sitting in my sock drawers.  I would use it again if they convert it to Cash+ visa signature.  Do you guys think opening a US Bank checking/saving account at the local branch might help the chance of converting it? 

Also, does anyone know if US Bank will do a hard pull on CR for opening a checking/saving account with them?

[JCubed]

US Bank does not do a hard pull to open checking and savings accounts. If you do open one and get a pre-APPROVED offer it is based on a soft pull as well (if it is a pre-QUALIFIED offer a hard pull will be done.) Having the accounts do have some impact on approval of credit products though the relationship score isn't estabilshed until after the first 120 days.