No more credit cards this year!
I was planning to get a 2nd Discover around this time, but the bonus categories don't do anything for me this quarter. . . . But I had an itchy trigger finger and found myself hunting for something to apply for. I gotta get somethin'!
I applied for the US Bank Shopper Cash Rewards on Saturday morning and finally found out today that I've been approved with a $7k SL. 
I don't know if they still have the ones that light up. Or if that was just a joke to begin with. Don't care 
6% back at two merchants I select from a list, up to $1500 spend per quarter. Also 3% back at something I don't need because I already get 3 or more % back on that stuff with other cards. 1.5% on everthing else. The 1.5 is kinda cool because when I use a card thinking it's going to code one way and it ends up being something else (I know y'all never do that) at least I get 1.5% instead of the 1% from most cards.
$6000 spend at 6% = $360
$360 - $95 annual fee = $265
$265 back on $6000 spend = 4.42%
This is probably going to be my Walmart card for 6% back there and the other merchant will be whoever I predict I'll spend money with that quarter, like Best Buy or Home Depot. I'm not sure I'll get enough out of this to justify the $95 annual fee, but there's no fee for the first year. I may decide to PC to something else around the time the fee kicks in. Or maybe not. I have a year to figure it out. $250 SUB for spending $2000 in the first 120 days. I don't have anything telling me my APR yet. I don't think there's a 0% interest period on this. I thought there was when I applied but I looked back later and didn't see it.
I was 0/6, 3/12 new accounts. (I thought 3/12 might be pushing my luck with USB.)
They pulled Equifax and I think they look at FICO 8. My Eq8 is 783.
I was 0/6, 2/12 inquiries on Eq.
I'm in Texas and they pulled Eq for my Cash+ back in March, but TU for a CLI on that Cash+ in September. Now Eq again for this app.
My only prior relationship with USB is the Cash+ I got in March.
Tip of the day: If you have any doubt about being approved, don't app US Bank on the weekend. A lot of their apps seem to go to review, not all, but many. There is no one there to look at them on the weekend. I applied Saturday morning and was stressed out for two days waiting to find out 
EQ8 780, TU8 748, EX8 770 as of December 28
Congrats on the approval!
Congrats on your approval!
Congrats on your Approval!
