US Bank Cash+ Card Offer - To Apply? or Not Apply?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Congrats on your pre-approval. I'm so jealous

Did you get the offer from mail? What's is you FICO score now?

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Hey there and thanks Lol does pre-qualified and pre-approved mean the same thing? My Fico score as of last month is 754 and yeah I got the offer in the mail. So I take it you want this card? Any reason why? lol it seems kind of crappy not sure if I should go for it or not.. 

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I have a plan to buy a new laptop at BestBuy in the near future; with Cash+, I could get 5% back. Also it's a perfect card for cell phone bill payment. My Fico is close to yours but I didn't get any offer from US Bank, so I assume you have checking/savings relationship with it, don't you

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omg I really don't have a relationship with them.. lol I wish I didn't get the offer, I would gladly hand it to you  

I'm thinking that like you said it's useful for Electronics, Cell Phone Bill, "fast food", and Amazon purchases (bigger amazon purchases). Do you know if all Amazon purchases will work with this card? 

[Themanwhocan]

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@Anonymous wrote:

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@Themanwhocan wrote:

The categories come in handy occasionally. Especially Bookstores at Amazon if you don't have the Sallie Mae, or if you need to make a expensive purchase such as a HDTV. The $100 is useful. I don't see how its any worse than a Freedom or Discover card.

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Yeah I have the Sallie Mae card. So do all Amazon purchases count for the 5% cash back? 

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No, just the ones that count on the Sallie Mae card.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Congrats on your pre-approval. I'm so jealous

Did you get the offer from mail? What's is you FICO score now?

---

Hey there and thanks Lol does pre-qualified and pre-approved mean the same thing? My Fico score as of last month is 754 and yeah I got the offer in the mail. So I take it you want this card? Any reason why? lol it seems kind of crappy not sure if I should go for it or not.. 

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I have a plan to buy a new laptop at BestBuy in the near future; with Cash+, I could get 5% back. Also it's a perfect card for cell phone bill payment. My Fico is close to yours but I didn't get any offer from US Bank, so I assume you have checking/savings relationship with it, don't you

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omg I really don't have a relationship with them.. lol I wish I didn't get the offer, I would gladly hand it to you  

I'm thinking that like you said it's useful for Electronics, Cell Phone Bill, "fast food", and Amazon purchases (bigger amazon purchases). Do you know if all Amazon purchases will work with this card? 

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Thank you for your offer LOL

As far as I know, Amazon purchases are not in any 5% category. Only Amazon Kindle book purchases can count as Bookstore purchases. Correct me if I'm wrong.

[TURNERHOOVER]

I'd definitely app.

[JustBPatient]

They seem to be one of the tougher ones to crack.  I PC'd to from a Plat card a few months ago.  You pick your categories.  Its a good catch all for the occasional Fast food stop and cell phone bill/purcase.  They also have a furniture 5% category that would come in handy from time to time.