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Established Member
Posts: 34
Registered: ‎03-10-2013
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US Bank PC FlexPerks to Cash+ Visa

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?
Regular Contributor
Posts: 246
Registered: ‎11-05-2008
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Re: US Bank PC FlexPerks to Cash+ Visa

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.

Established Member
Posts: 34
Registered: ‎03-10-2013
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Re: US Bank PC FlexPerks to Cash+ Visa

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

 

Regular Contributor
Posts: 153
Registered: ‎03-09-2013
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Re: US Bank PC FlexPerks to Cash+ Visa

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)



"Its your AAoA, Sir. It seems, Sir, that it is so short that i dont think it would hurt for it to get a little shorter"
Super Contributor
Posts: 5,830
Registered: ‎02-23-2011
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Re: US Bank PC FlexPerks to Cash+ Visa

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.

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: US Bank PC FlexPerks to Cash+ Visa

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.

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


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Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: US Bank PC FlexPerks to Cash+ Visa


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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Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: US Bank PC FlexPerks to Cash+ Visa


enharu wrote:

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.

 

 


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?

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%
Established Member
Posts: 34
Registered: ‎03-10-2013
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Re: US Bank PC FlexPerks to Cash+ Visa

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?

 

Member
Posts: 9
Registered: ‎05-10-2010
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Re: US Bank PC FlexPerks to Cash+ Visa

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.

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