topic Re: US Bank Cash + Visa Signature in Credit Cards

US Bank Cash + Visa Signature

RonDawg — Mon, 22 Oct 2012 06:18:47 GMT

I am putting this up to see what people think about this card.

Re: US Bank Cash + Visa Signature

distantarray — Mon, 22 Oct 2012 06:20:34 GMT

It's nice enough that if it was a woman and not a credit card I'd hit it =)

my next target

Re: US Bank Cash + Visa Signature

Anonymous — Mon, 22 Oct 2012 06:28:15 GMT

This is well placed in my next year's wish list

Re: US Bank Cash + Visa Signature

emptypockets — Mon, 22 Oct 2012 06:32:22 GMT

Good card to use, I like the rotating categories. the Bill Pay category is great, as most every bill I pay (cable, cell, gas, water) count as a bill at 5%. Also, since I have Chase Freedom, Discover, and Citi Dividend, I can try to cover the bases of all my regular spending with cash back cards.

The website is quirky (can't see pending transactions) but you can't get everything you want, I guess. They gave me a 8.5 k limit to start, and raised it to 11k after 2 months of use as well.

Re: US Bank Cash + Visa Signature

android01 — Mon, 22 Oct 2012 06:32:18 GMT

I love it. Particlarly because you can choose what categories you;d like your rewards to go.

Re: US Bank Cash + Visa Signature

RonDawg — Mon, 22 Oct 2012 06:35:22 GMT

@emptypockets wrote:
Good card to use, I like the rotating categories. the Bill Pay category is great, as most every bill I pay (cable, cell, gas, water) count as a bill at 5%. Also, since I have Chase Freedom, Discover, and Citi Dividend, I can try to cover the bases of all my regular spending with cash back cards.

The website is quirky (can't see pending transactions) but you can't get everything you want, I guess. They gave me a 8.5 k limit to start, and raised it to 11k after 2 months of use as well.

Your right you can't see the pending transactions but funny enough if you have their mobile app you can see the pending transactions on that app.

Re: US Bank Cash + Visa Signature

maiden_girl — Mon, 22 Oct 2012 06:43:25 GMT

I was considering this credit card maybe in 6 months to a year after I close up a few accounts. I like the idea of paying bills and getting rewarded for it.

Re: US Bank Cash + Visa Signature

distantarray — Mon, 22 Oct 2012 06:45:21 GMT

@maiden_girl wrote:
I was considering this credit card maybe in 6 months to a year after I close up a few accounts. I like the idea of paying bills and getting rewarded for it.

Since I take care of my family's entire finance (they both have their own businesses) there's a lot of bills I can pay and I get to keep the cash back

Re: US Bank Cash + Visa Signature

maiden_girl — Mon, 22 Oct 2012 06:46:03 GMT

How is US Bank with CLIs tho?

Re: US Bank Cash + Visa Signature

distantarray — Mon, 22 Oct 2012 06:50:33 GMT

@maiden_girl wrote:
How is US Bank with CLIs tho?

$1500 CLi every 6 months soft pull. is what I been told, but that's assuming nothing's going bad

Re: US Bank Cash + Visa Signature

emptypockets — Mon, 22 Oct 2012 07:42:52 GMT

Like I mentioned before, I got a 3k auto CLI after 2 months. People on other boards have mentioned getting auto CLIs as well.

Re: US Bank Cash + Visa Signature

xboxrunner — Mon, 22 Oct 2012 07:58:35 GMT

Very nice card. I would consider this one if I ever needed another CC.

Re: US Bank Cash + Visa Signature

RonDawg — Mon, 22 Oct 2012 15:41:57 GMT

lets get this going again XD

Re: US Bank Cash + Visa Signature

Anonymous — Mon, 22 Oct 2012 15:47:18 GMT

@distantarray wrote:
@maiden_girl wrote:
How is US Bank with CLIs tho?

$1500 CLi every 6 months soft pull. is what I been told, but that's assuming nothing's going bad

HP increase for more.

Re: US Bank Cash + Visa Signature

Anonymous — Mon, 22 Oct 2012 15:48:06 GMT

I think the Cash+ and the flexperks signature are both great cards.

Re: US Bank Cash + Visa Signature

WhiteCollar — Mon, 22 Oct 2012 15:51:42 GMT

I've heard nothing but good feedback about this card. This and the Flex perks with chip are on my wish list for next year's app spree! Today I opended a secondary account at US Bank to start building a relationship. I was about a get the $100 bonus for opening an account!!!!

Re: US Bank Cash + Visa Signature

RockinRay — Mon, 22 Oct 2012 15:51:44 GMT

@Anonymous wrote:
I think the Cash+ and the flexperks signature are both great cards.

+ 1 - I use this card for bill pay only. I get to the $100 bonus every six weeks. Nice to get that $25 gift card too!

Re: US Bank Cash + Visa Signature

CribDuchess — Mon, 22 Oct 2012 16:57:12 GMT

I have nothing but good things to say about this card and highly recommend it, especially if you use the card in conjunction with a gold or platinum checking package with US Bank. We had the gold checking package and just recently converted to the platinum package to earn the 50% bonus on the Cash+ Visa rewards. So even on purchases that normally would just earn 1%, I'm earning 1.75% (if I include the $25 bonus for redeeming rewards in $100 increments - which I always do).

Of couse I'm using bill pay as one of my 5% categories and I am using department stores for my other 5% category. I have grocery as my 2% category since I do most of my grocery shopping at Walmart or Target, and since those are considered discount stores by Amex, they don't qualify for the 3% on my BCE.

I was approved for this card on July 25th and received the card on August 2nd. So I've had the card less than 3 months and I'm already about to cash in another $100 in rewards this week after my statement cuts tomorrow. I love the ease in receiving my cash rewards as I can just choose to have the money deposited right into either my checking or my savings and it happens in mere seconds. It does seem to take awhile to receive the $25 bonus Visa gift card, as I redeemed my first $100 at the end of September and still haven't received the $25 Visa gift card yet. I'm thinking by the time Christmas rolls around, I'll have 3 of these Visa gift cards. If they don't issue them with my name on them, I might give them as gifts. Otherwise I'll just take them to US Bank and exchange them for cash to deposit into our account.

What I love most right now is that there are no limits on the amount of rewards you can earn and there are no spending requirements with this card (hope that never changes!). I've had a Discover card since 1991 and while I do use it, I do not like the $1,500 cap on the 5% rewards spending. I also don't like the requirement of spending $3,000 before you earn the full 1%. Yes, Discover has 5% for department stores for this quarter, but why would I use it when I can get unlimited 5% rewards on department stores with my Cash+ card? Plus, Visa is accepted in a lot more places than Discover is.

Re: US Bank Cash + Visa Signature

RonDawg — Mon, 22 Oct 2012 17:37:04 GMT

@CribDuchess wrote:
I have nothing but good things to say about this card and highly recommend it, especially if you use the card in conjunction with a gold or platinum checking package with US Bank. We had the gold checking package and just recently converted to the platinum package to earn the 50% bonus on the Cash+ Visa rewards. So even on purchases that normally would just earn 1%, I'm earning 1.75% (if I include the $25 bonus for redeeming rewards in $100 increments - which I always do).

Of couse I'm using bill pay as one of my 5% categories and I am using department stores for my other 5% category. I have grocery as my 2% category since I do most of my grocery shopping at Walmart or Target, and since those are considered discount stores by Amex, they don't qualify for the 3% on my BCE.

I was approved for this card on July 25th and received the card on August 2nd. So I've had the card less than 3 months and I'm already about to cash in another $100 in rewards this week after my statement cuts tomorrow. I love the ease in receiving my cash rewards as I can just choose to have the money deposited right into either my checking or my savings and it happens in mere seconds. It does seem to take awhile to receive the $25 bonus Visa gift card, as I redeemed my first $100 at the end of September and still haven't received the $25 Visa gift card yet. I'm thinking by the time Christmas rolls around, I'll have 3 of these Visa gift cards. If they don't issue them with my name on them, I might give them as gifts. Otherwise I'll just take them to US Bank and exchange them for cash to deposit into our account.

What I love most right now is that there are no limits on the amount of rewards you can earn and there are no spending requirements with this card (hope that never changes!). I've had a Discover card since 1991 and while I do use it, I do not like the $1,500 cap on the 5% rewards spending. I also don't like the requirement of spending $3,000 before you earn the full 1%. Yes, Discover has 5% for department stores for this quarter, but why would I use it when I can get unlimited 5% rewards on department stores with my Cash+ card? Plus, Visa is accepted in a lot more places than Discover is.

Honstly I think Bill Pay is the best 5% cat there is I don't think there is a card out there that offers this. Discover is doing 2% till the end of the year on bill pay but of course its not 5%

Re: US Bank Cash + Visa Signature

CribDuchess — Mon, 22 Oct 2012 18:37:56 GMT

@RonDawg wrote:

Honstly I think Bill Pay is the best 5% cat there is I don't think there is a card out there that offers this. Discover is doing 2% till the end of the year on bill pay but of course its not 5%

I agree 100%. I mean, who doesn't have bills to pay? This is one category that everyone benefits from. I'm earning over $40 cash back per month just from the bill pay category. You can even use it towards insurance payments. I pay my State Farm insurance monthly with this card. My son is going to get his driver's license next month and we will be adding him onto our insurance, so I know that bill is going to go up dramatically. At least I can get 5% cash back - it eases the pain a bit.

I think there is a card from Barclay's that offers 2% for utility payments. Not sure if that includes insurance like US Bank's does. But it still isn't 5%.