US Bank Recommended Offers Page

[NP27]

Hi,

I have tried the US Bank recommended offers page several times before and the only recommended cards were the secured card, but today I got the cash rewards card.  My score has gone up about 70 pts since getting only the secured card offer.  Is this a solid offer?  I want to app for it but only if my chances are pretty good.

Thanks

[Anonymous]

If it shows you a firm APR, generally speaking it's a good prequal.  If it shows a range APR it's just a recommendation and not a prequal.

Note: nothing is guaranteed, but firm APRs are more indicative than range APRs.

[B335is]

US Bank pre qualifier isn't all that accurate. They do seem to be better about approvals with an existing banking relationship.

[Anonymous]

If you don't mind, what are the details of the offer?

[NP27]

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@Anonymous wrote:

If you don't mind, what are the details of the offer?

      0 % on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies 13.99-23.99%, currently based on your creditworthiness.

• $50 cash-back bonus when you make $500 in net purchases within the first 90 days.78
• Earns 1% cash back on all net purchases charged to the account.

US Bank Cash Rewards Visa

[B335is]

If you end up applying, I would consider just going for the Cash+. It's a better card and if you don't qualify for it but they still approve you, you're most likely going to end up with the Cash Rewards card anyways.

[orestrus]

Same offer here, i do have secured card with them

[NP27]

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@B335is wrote:
If you end up applying, I would consider just going for the Cash+. It's a better card and if you don't qualify for it but they still approve you, you're most likely going to end up with the Cash Rewards card anyways.

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I think I may qualify for one or the other.  If they pull TU anyhow.  

[CreditCuriosity]

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@B335is wrote:
If you end up applying, I would consider just going for the Cash+. It's a better card and if you don't qualify for it but they still approve you, you're most likely going to end up with the Cash Rewards card anyways.

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@I feel dirty with that card... They sent me a pre-approval @ set apr in mail opt in/out.. Why the heck coudn't they send me the Cash+ pre-approval grrr... All my banking is done through them.  I tore it up and considering switching banks with that insult especially since cash+ has been nerfed tons of time ..  Might have to go and talk with a personal banker in branch and say really what is this, is this a joke and show him how my other cards benefit way better than 1%..Make it happen or my money goes bye bye to another bank.. Ok idle threat but how I feel.

[NP27]

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@orestrus wrote:
Same offer here, i do have secured card with them

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Before though when my score was lower, I only had an offer for the secured card several times over the past year and now the other offer showed up so I am hopeful.  Still debating on whether to pull the trigger.