topic Re: US Bank PC FlexPerks to Cash+ Visa in Credit Cards

US Bank PC FlexPerks to Cash+ Visa

Anonymous — Wed, 24 Apr 2013 19:04:13 GMT

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?

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Wed, 24 Apr 2013 21:52:10 GMT

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.

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Wed, 24 Apr 2013 22:21:22 GMT

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

Re: US Bank PC FlexPerks to Cash+ Visa

solstice00 — Wed, 24 Apr 2013 23:23:37 GMT

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)

Re: US Bank PC FlexPerks to Cash+ Visa

Open123 — Thu, 25 Apr 2013 01:10:58 GMT

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.

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Thu, 25 Apr 2013 01:32:32 GMT

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.

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Thu, 25 Apr 2013 08:25:53 GMT

@Anonymous 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.

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Thu, 25 Apr 2013 15:35:50 GMT

@Anonymous wrote:
@Anonymous 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?

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Thu, 25 Apr 2013 17:00:06 GMT

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?

Re: US Bank PC FlexPerks to Cash+ Visa

JCubed — Thu, 25 Apr 2013 17:24:35 GMT

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.

Re: US Bank PC FlexPerks to Cash+ Visa

solstice00 — Thu, 25 Apr 2013 18:15:58 GMT

I already have the cash+ so I PC'ed the college credit card (I mean right now !!!) that I had for 2 years into the Flexperks Travel Rewards Visa signature.

(Now whoever said that you need a credit limit of atleast $5000 to PC into the signature is incorrect.Mine only had 300 as a limit and she completed the PC process(with a new account number)

i checked online and found that it has not yet been updated and my old account number still shows. Maybe it takes a day or two just like credit limit increase.

She said the Travel Rewards signature is the hIghest card that USBANK offers and then comes the cash+ signature. I asked why does the cash+ signature doesn't have the online application button. She said that there has been some changes to the cash+ rewards and USBANK changed them to attract its banking customers. i said it sure did attract me.

She laughed.

It just depends upon the CR and how polite you are.

And someone mentioned that The Travel Rewards is a better card than the Visa signature. I wholeheartedly agree.

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Thu, 25 Apr 2013 18:47:29 GMT

I think I will stop by the branch and talk to the banker about the PC some time this week.

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Fri, 26 Apr 2013 05:10:28 GMT

deleted

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Fri, 26 Apr 2013 00:55:46 GMT

@solstice00 wrote:
I already have the cash+ so I PC'ed the college credit card (I mean right now !!!) that I had for 2 years into the Flexperks Travel Rewards Visa signature.
(Now whoever said that you need a credit limit of atleast $5000 to PC into the signature is incorrect.Mine only had 300 as a limit and she completed the PC process(with a new account number)
i checked online and found that it has not yet been updated and my old account number still shows. Maybe it takes a day or two just like credit limit increase.
She said the Travel Rewards signature is the hIghest card that USBANK offers and then comes the cash+ signature. I asked why does the cash+ signature doesn't have the online application button. She said that there has been some changes to the cash+ rewards and USBANK changed them to attract its banking customers. i said it sure did attract me.
She laughed.
It just depends upon the CR and how polite you are.
And someone mentioned that The Travel Rewards is a better card than the Visa signature. I wholeheartedly agree.

please let me know if they gave you a cli or not (if so hp or sp)

i have a 1500 cash rewards with them looking for the flex perks travel or cash+ atm... (currently 10 mos old.. might wait for 12mo old to ask)

Re: US Bank PC FlexPerks to Cash+ Visa

solstice00 — Fri, 26 Apr 2013 02:21:35 GMT

Dustink wrote:

solstice00 wrote:

I already have the cash+ so I PC'ed the college credit card (I mean right now !!!) that I had for 2 years into the Flexperks Travel Rewards Visa signature.

(Now whoever said that you need a credit limit of atleast $5000 to PC into the signature is incorrect.Mine only had 300 as a limit and she completed the PC process(with a new account number)

i checked online and found that it has not yet been updated and my old account number still shows. Maybe it takes a day or two just like credit limit increase.

She laughed.

It just depends upon the CR and how polite you are.

And someone mentioned that The Travel Rewards is a better card than the Visa signature. I wholeheartedly agree.

I highly doubt you got the Cash+ with a $300 limit. Either you got a CLI then the PC, or you got just the 1% cash back card.

I didn't say I PC'ed to the cash+ signature with 300 limit.

I PC'ed my old college credit card to The Flexperks Travel Rewards. I verified it twice. It is the flexperks Travel rewards signature.

Now I am not so sure whether my credit limit will also change with the account number. I sure hope so.

But until now I still the old account number online. And the same 300 limit.

(I called to expedite the card and they said that it will cost me 25$)

Re: US Bank PC FlexPerks to Cash+ Visa

solstice00 — Fri, 26 Apr 2013 02:24:40 GMT

Rusty- I would suggest going ahead with the PC' first.

And no HP whatsoever.

I have never been HP'ed for cli/PC unless I am applying for a brand new card(such was the case when I applied for the cash+ via phone)

Oh and everything will transfer to the new account.

Only the new account number will change.

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Fri, 26 Apr 2013 05:11:06 GMT

@solstice00 wrote:

@Anonymous wrote:
@solstice00 wrote:
I already have the cash+ so I PC'ed the college credit card (I mean right now !!!) that I had for 2 years into the Flexperks Travel Rewards Visa signature.
(Now whoever said that you need a credit limit of atleast $5000 to PC into the signature is incorrect.Mine only had 300 as a limit and she completed the PC process(with a new account number)
i checked online and found that it has not yet been updated and my old account number still shows. Maybe it takes a day or two just like credit limit increase.
She said the Travel Rewards signature is the hIghest card that USBANK offers and then comes the cash+ signature. I asked why does the cash+ signature doesn't have the online application button. She said that there has been some changes to the cash+ rewards and USBANK changed them to attract its banking customers. i said it sure did attract me.
She laughed.
It just depends upon the CR and how polite you are.
And someone mentioned that The Travel Rewards is a better card than the Visa signature. I wholeheartedly agree.

I highly doubt you got the Cash+ with a $300 limit. Either you got a CLI then the PC, or you got just the 1% cash back card.
I didn't say I PC'ed to the cash+ signature with 300 limit.
I PC'ed my old college credit card to The Flexperks Travel Rewards. I verified it twice. It is the flexperks Travel rewards signature.
Now I am not so sure whether my credit limit will also change with the account number. I sure hope so.
But until now I still the old account number online. And the same 300 limit.
(I called to expedite the card and they said that it will cost me 25$)

Minimum limit for travel rewards is $5,000.

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Fri, 26 Apr 2013 03:37:36 GMT

So I called the branch today they told me to apply for the Cash+ card because they cannot PC to this card. I said no thanks.

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Fri, 26 Apr 2013 04:56:03 GMT

@solstice00 wrote:
I already have the cash+ so I PC'ed the college credit card (I mean right now !!!) that I had for 2 years into the Flexperks Travel Rewards Visa signature.
(Now whoever said that you need a credit limit of atleast $5000 to PC into the signature is incorrect.Mine only had 300 as a limit and she completed the PC process(with a new account number)
i checked online and found that it has not yet been updated and my old account number still shows. Maybe it takes a day or two just like credit limit increase.
She said the Travel Rewards signature is the hIghest card that USBANK offers and then comes the cash+ signature. I asked why does the cash+ signature doesn't have the online application button. She said that there has been some changes to the cash+ rewards and USBANK changed them to attract its banking customers. i said it sure did attract me.
She laughed.
It just depends upon the CR and how polite you are.
And someone mentioned that The Travel Rewards is a better card than the Visa signature. I wholeheartedly agree.

Keep in mind they are both Visa Signature.

Re: US Bank PC FlexPerks to Cash+ Visa

Anonymous — Fri, 26 Apr 2013 05:07:06 GMT

@ solstice00

How was the online application process for the Cash+?

Re: This post

Also:

"(Now whoever said that you need a credit limit of at least $5000 to PC into the signature is incorrect. Mine only had 300 as a limit and she completed the PC process(with a new account number)"

You must have a $5,000 limit to PC to either the Cash+ or Travel Signature. The only process for a PC on an account with a limit as low as that is to CLI via HP. Then go through the PC process. The same rep will handle both steps, but you have to be talking to somebody higher than an entry level rep. A supervisor or manager can get in touch with underwriting via internal email to take care of it.