topic Re: Us Bank Cash Plus Visa Signature in Credit Cards

Us Bank Cash Plus Visa Signature

scottwagnon — Sat, 24 Nov 2012 05:38:25 GMT

Approved!!! 11/13 Limit: 6500 APR:13.99

i initally had my doubts i would be able to apply for this card this early. but when i checked my eq fico score and got 783, i figured i was good to go. i have been eyeing this card for quite some time now.

i am thrilled, and my patience has paid off. This will be card 15 for me. go to my non hyper link in my signature, (i havent figured out yet how to html the pictures of the cards)

i am looking forward to being able to finally cash in on this card. i of course, like most, will choose drug stores, fast food or dining, and online BILL PAY! yea!

Re: Us Bank Cash Plus Visa Signature

distantarray — Tue, 20 Nov 2012 03:32:45 GMT

are you sure it's the Cash + ? cause most people think they're approved then get a 1% version =\

if it's the cash+ then congrats!

"If you do not qualify for the U.S. Bank Cash+TM Visa Signature® Card, you will automatically be considered for the U.S. Bank Cash Rewards Visa® Platinum Card that earns 1% cash back on all net purchases and does not offer the 5% and 2% Cash+ Categories and the $25 Cash+ Bonus each time you redeem $100 or more cash back in a single redemption." the fine print

also how many inquries lately and what does your credit file look like? =)

Re: Us Bank Cash Plus Visa Signature

Anonymous — Tue, 20 Nov 2012 03:50:19 GMT

@distantarray wrote:
are you sure it's the Cash + ? cause most people think they're approved then get a 1% version =\

I have a question about that, actually! This was the last card I applied for in a mini-app spree before gardening. I called in to the application status line, and just today learned that I was approved. If I was declined for the Cash+, would they still say I was approved if I got the 1% version?

Re: Us Bank Cash Plus Visa Signature

distantarray — Tue, 20 Nov 2012 03:51:27 GMT

@Anonymous wrote:
[quote]are you sure it's the Cash + ? cause most people think they're approved then get a 1% version =\ [/quote]
I have a question about that, actually! This was the last card I applied for in a mini-app spree before gardening. I called in to the application status line, and just today learned that I was approved. If I was declined for the Cash+, would they still say I was approved if I got the 1% version?

yep it still says approved to quite a few people from different boards. One guy reported the bank rep at a local location wanted to change his account to a no annual fee account and said approved for Cash+ but got the 1% card instead =\

Re: Us Bank Cash Plus Visa Signature

Anonymous — Tue, 20 Nov 2012 03:51:32 GMT

If I may ask a question about this card...

I just switched my 1981-vintage Classic card to the Cash+ Signature, and I'd *like* to get the 5% cash-back Bill Pay, but I haven't figured that out.

US Bank's Internet Bill Pay, where I pay most of my bills, doesn't list the card as a payment source, just my checking account.

The various utilities etc. that I have autopay set up with also seem to only want to get their money from my checking account.

Does this mean, to use the Cash+ Sig card to pay bills, I'm going to have to do them all manually every month? That would majorly suck!

Re: Us Bank Cash Plus Visa Signature

distantarray — Tue, 20 Nov 2012 03:52:52 GMT

@Anonymous wrote:
If I may ask a question about this card...
I just switched my 1981-vintage Classic card to the Cash+ Signature, and I'd *like* to get the 5% cash-back Bill Pay, but I haven't figured that out.
US Bank's Internet Bill Pay, where I pay most of my bills, doesn't list the card as a payment source, just my checking account.
The various utilities etc. that I have autopay set up with also seem to only want to get their money from my checking account.
Does this mean, to use the Cash+ Sig card to pay bills, I'm going to have to do them all manually every month? That would majorly suck!

You have to sign up for your categories not sure if you did that yet, there's like 20 categories you can choose from, you have to pick your categories each quarter.

Re: Us Bank Cash Plus Visa Signature

scottwagnon — Tue, 20 Nov 2012 03:58:11 GMT

i called the underwriting department to confirm my approval, and they specific that i was approved for the Cash plus and not the cash rewards. i would hope that this would not change. i still am waiting for my card to arrive so i am keeping my fingers crossed.

Re: Us Bank Cash Plus Visa Signature

RonDawg — Tue, 20 Nov 2012 03:59:36 GMT

@Anonymous wrote:
If I may ask a question about this card...
I just switched my 1981-vintage Classic card to the Cash+ Signature, and I'd *like* to get the 5% cash-back Bill Pay, but I haven't figured that out.
US Bank's Internet Bill Pay, where I pay most of my bills, doesn't list the card as a payment source, just my checking account.
The various utilities etc. that I have autopay set up with also seem to only want to get their money from my checking account.
Does this mean, to use the Cash+ Sig card to pay bills, I'm going to have to do them all manually every month? That would majorly suck!

I have my bills setup to go through my visa by going through the billers auto pay on the billers website. There is only one bill I will have to sign into the billers website each month and tell it to charge my visa and that is because the biller goes through a third party biller and they do not have an auto pay option. Its not that big of a deal really and the 5% back is awesome!

Re: Us Bank Cash Plus Visa Signature

Epcot — Tue, 20 Nov 2012 04:09:52 GMT

That's great, Congrats on the approval!

Re: Us Bank Cash Plus Visa Signature

Anonymous — Tue, 20 Nov 2012 04:21:28 GMT

One other question: If I did get approved for the Cash+, can I set up categories for this quarter, even though it's already so far into it, or do I have to wait until January to get 5% on things?

Re: Us Bank Cash Plus Visa Signature

distantarray — Tue, 20 Nov 2012 04:23:03 GMT

i have no idea I don't have one, but I want one

Re: Us Bank Cash Plus Visa Signature

distantarray — Tue, 20 Nov 2012 04:24:50 GMT

@scottwagnon wrote:
i called the underwriting department to confirm my approval, and they specific that i was approved for the Cash plus and not the cash rewards. i would hope that this would not change. i still am waiting for my card to arrive so i am keeping my fingers crossed.

if they give you the cash rewards you should request Flex Perks instead, this is the most under valued card in the credit card world because the reward structure is screwed up.

If used correctly you get 2% on everything, and three 4% categories for groceries, gas and travel and 6% for charity. Also if you have platinum checking you get 3% worth of flex points (1.5)

Re: Us Bank Cash Plus Visa Signature

CribDuchess — Tue, 20 Nov 2012 04:29:13 GMT

@Anonymous wrote:
One other question: If I did get approved for the Cash+, can I set up categories for this quarter, even though it's already so far into it, or do I have to wait until January to get 5% on things?

Yes, you can pick your categories and have them active for this current quarter and start earning cash back. I was able to do this when I first got my card in August - I picked my categories and started earning rewards for the remainder of that quarter (July - Sept).

Good luck!!!

Re: Us Bank Cash Plus Visa Signature

Anonymous — Tue, 20 Nov 2012 04:32:53 GMT

@Anonymous wrote:
One other question: If I did get approved for the Cash+, can I set up categories for this quarter, even though it's already so far into it, or do I have to wait until January to get 5% on things?

I got mine last week, and set up my categories for this quarter at https://cashplus.usbank.com (it's hard to find going through my regular USBank logon - this is more direct). This morning I got an email from USBank that I can set up my categories for Jan-March '03 now if I want. So Yes, you can use the categories for the rest of this quarter.

Re: Us Bank Cash Plus Visa Signature

CribDuchess — Tue, 20 Nov 2012 04:34:35 GMT

@scottwagnon wrote:
i called the underwriting department to confirm my approval, and they specific that i was approved for the Cash plus and not the cash rewards. i would hope that this would not change. i still am waiting for my card to arrive so i am keeping my fingers crossed.

I'm sure you're getting the Cash+. They wouldn't lie to you. Your credit scores and the $6500 limit are strong indicators of a Cash+ approval.

Congratulations!! Well done!

Re: Us Bank Cash Plus Visa Signature

Anonymous — Tue, 20 Nov 2012 04:56:15 GMT

@Anonymous wrote:
@Anonymous wrote:
One other question: If I did get approved for the Cash+, can I set up categories for this quarter, even though it's already so far into it, or do I have to wait until January to get 5% on things?

I got mine last week, and set up my categories for this quarter at https://cashplus.usbank.com (it's hard to find going through my regular USBank logon - this is more direct). This morning I got an email from USBank that I can set up my categories for Jan-March '03 now if I want. So Yes, you can use the categories for the rest of this quarter.

Yes, I got mine today. You can sign up for this quarter and as Omri says for next. You can change your mind (for next quarter) up to some date in mid/late Dec (don't remember the exact date). When you sign up, it says it can take three business days to go into effect. I don't know if that means you might get 1% for up to three days, or if they do some correction later.

Re: Us Bank Cash Plus Visa Signature

tennisfan78 — Tue, 20 Nov 2012 04:56:21 GMT

@Anonymous wrote:
If I may ask a question about this card...
I just switched my 1981-vintage Classic card to the Cash+ Signature, and I'd *like* to get the 5% cash-back Bill Pay, but I haven't figured that out.
US Bank's Internet Bill Pay, where I pay most of my bills, doesn't list the card as a payment source, just my checking account.
The various utilities etc. that I have autopay set up with also seem to only want to get their money from my checking account.
Does this mean, to use the Cash+ Sig card to pay bills, I'm going to have to do them all manually every month? That would majorly suck!

I have visited usbank.com/cashplus and signed up for billpay and departmental stores for 5% category.

I did not setup any automatic pay, but simply paid about $600 on auto insurance and in a couple of days saw about $30 in cash rewards (bill pay). I was pretty excited even though it was manual payment!

Re: Us Bank Cash Plus Visa Signature

RonDawg — Tue, 20 Nov 2012 05:03:34 GMT

@tennisfan78 wrote:
@Anonymous wrote:
If I may ask a question about this card...
I just switched my 1981-vintage Classic card to the Cash+ Signature, and I'd *like* to get the 5% cash-back Bill Pay, but I haven't figured that out.
US Bank's Internet Bill Pay, where I pay most of my bills, doesn't list the card as a payment source, just my checking account.
The various utilities etc. that I have autopay set up with also seem to only want to get their money from my checking account.
Does this mean, to use the Cash+ Sig card to pay bills, I'm going to have to do them all manually every month? That would majorly suck!

I have visited usbank.com/cashplus and signed up for billpay and departmental stores for 5% category.

I did not setup any automatic pay, but simply paid about $600 on auto insurance and in a couple of days saw about $30 in cash rewards (bill pay). I was pretty excited even though it was manual payment!

Makes it worth the extra effort to put your bill on that card doesn't it

Re: Us Bank Cash Plus Visa Signature

RonDawg — Tue, 20 Nov 2012 05:05:59 GMT

@tennisfan78 wrote:
@Anonymous wrote:
If I may ask a question about this card...
I just switched my 1981-vintage Classic card to the Cash+ Signature, and I'd *like* to get the 5% cash-back Bill Pay, but I haven't figured that out.
US Bank's Internet Bill Pay, where I pay most of my bills, doesn't list the card as a payment source, just my checking account.
The various utilities etc. that I have autopay set up with also seem to only want to get their money from my checking account.
Does this mean, to use the Cash+ Sig card to pay bills, I'm going to have to do them all manually every month? That would majorly suck!

I have visited usbank.com/cashplus and signed up for billpay and departmental stores for 5% category.

I did not setup any automatic pay, but simply paid about $600 on auto insurance and in a couple of days saw about $30 in cash rewards (bill pay). I was pretty excited even though it was manual payment!

Makes it worth the extra effort to put your bill on that card doesn't it.

What the heck??? double post... <DELETE POST PLEASE>

Re: Us Bank Cash Plus Visa Signature

Anonymous — Tue, 20 Nov 2012 05:06:53 GMT

@Anonymous wrote:
If I may ask a question about this card...
I just switched my 1981-vintage Classic card to the Cash+ Signature, and I'd *like* to get the 5% cash-back Bill Pay, but I haven't figured that out.
US Bank's Internet Bill Pay, where I pay most of my bills, doesn't list the card as a payment source, just my checking account.
The various utilities etc. that I have autopay set up with also seem to only want to get their money from my checking account.
Does this mean, to use the Cash+ Sig card to pay bills, I'm going to have to do them all manually every month? That would majorly suck!

This Bill Pay is largely unrelated to "Bill Pay" from a bank account, whether US Bank or another bank. Those bill pays take money only from your checking account (and maybe savings in some cases).

Basically, for Cash +, think of bill pay as a category exactly like, say, Fast Food, called "Utilities and Insurance" (not all bills!), and just means that charges in that category (if properly identified) will earn 5%. You will get this if you pay the bill one time, if every month you do it manually, or if you set up your payments on the vendor's website to charge the card automatically.

Re utilities: this seems to vary a lot, but many don't accept credit cards directly and thus take money from a checking account. Some offer a third party vendor who processes credit cards for a fee. This may well be less than 5%, so you could do this, but you need to check that the charge will be correctly categorized (e.g. utility gas payment, rather than finance broker or something).