20% back on USBANK $100 promo help

Anonymous · ‎02-19-2025

@KatzNDawgs wrote:
@Gregory1776 wrote:
Sorry, I'm not getting this.

im reading this as spend $100 minimum and get $20 bucks back. Here's the fine print.

what is it in reality?
No. The fine print states $100 is the spend needed to trigger the offer, then any net spend *after* that is applied. As I mentioned earlier, if you spend $300 during the offer term, you can reach the $20 reward (100 needed to trigger it, 200 to meet the 20% giving $20), with a net actual reward worth 6.67% rather than 20%, since that 20% only applies to to portion after the frist 100 spent.

ETA: They word it so awkwardly to confuse consumers to think they only need to spend the "trigger" amount to get rewarded. As a poster mentioned earlier, at least the 100 trigger amount is way better than a 1000 amount they often list.

Really, it isn't! As it states in the fine print you get a bonus 0.2% per $ spent. (This is what also avoids the enhanced rewards, so on a cash plus, you would get 5.2% on a category, rather than the 6% you might expect)

This is indeed 20% of the usual 1%, but it's not 20% of purchase price. If you spend the subsequent $200, you will earn $2.40, 1.2 points per dollar.

KatzNDawgs · ‎02-19-2025

@Anonymous wrote:
As it states in the fine print you get a bonus 0.2% This is indeed 20% of the usual 1%, but it's not 20% of purchase price. If you spend the subsequent $200, you will earn $2.40, 1.2 points per dollar.

Oh carp, you are so right - my eyeballs couldn't see that point too well! OP, this is a horrible and very deceptive offer. DO NOT TAKE!

Anonymous · ‎02-19-2025

@KatzNDawgs wrote:
@Anonymous wrote:
As it states in the fine print you get a bonus 0.2% This is indeed 20% of the usual 1%, but it's not 20% of purchase price. If you spend the subsequent $200, you will earn $2.40, 1.2 points per dollar.
Oh carp, you are so right - my eyeballs couldn't see that point too well! OP, this is a horrible and very deceptive offer. DO NOT TAKE!

Well, if you are able to enroll absolutely painlessly, may as well and maybe gain 60c! But not worth any calling etc....

xenon3030 · ‎02-20-2025

At US Bank, "20% more" is not 20% . They keep sending these offers regularly.

Fico8: EX~EQ~TU~840 (12 month goal~850).
BOA (CCR, UCR), Chase (CFF, CSP, Amazon, CIC, CIU), US Bank (Cash+, AR, Go, Ralphs), Discover, Citi (CCC, DC, SYW), Amex (BCP, HH, Biz Gold, BBC, BBP), Affinity CR, Cap1(Walmart), Barclays View.

NoMoreE46 · ‎02-20-2025

My offer requires $1.050 of spend.

NoHardLimits · ‎02-20-2025

I frequently receive these terrible offers from US Bank. Currently, I have the "20% more points" after spending $2300 on my Altitude Reserve or after $800 on my Cash+. Thanks, but no thanks.

June 2026 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:

FICO9:

VantageScore3:

Inquiries (n/12, n/24):

AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Revolving Accounts: 0/6, 1/12, 2/24 | Util: 1%

pizzadude · ‎02-20-2025

@NoMoreE46 wrote:
My offer requires $1.050 of spend.

@NoMoreE46Seems like an oddly specific number

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

Gregory1776 · ‎02-20-2025

@KatzNDawgs wrote:
@Anonymous wrote:
As it states in the fine print you get a bonus 0.2% This is indeed 20% of the usual 1%, but it's not 20% of purchase price. If you spend the subsequent $200, you will earn $2.40, 1.2 points per dollar.
Oh carp, you are so right - my eyeballs couldn't see that point too well! OP, this is a horrible and very deceptive offer. DO NOT TAKE!

Thanks, I think your exactly correct.
I still don't understand it (probably need to read more carefully, brain is shot rn) which means it's deliberately complicated and therefore (if I even had the promo code) useless. I'm gonna forget about it.