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I have tried, successfully I think, to cover my spending categories with the appropriate reward cards. The only thing I lack is the US Bank Cash + for 5% back on bills. Have you covered the majority of your categories with reward cards? If so, which ones for which categories?
I'm also missing cell phone, cable, electricity, etc. That all adds up to over $500 a month, so it would be a really helpful to have a card that gets more than 1.5% for that. Oh well, not in U.S. Bank's region.
I wonder if I just drove to a branch on my way cross country if they would issue me a card to an out of state address...
Get a 2% card, or a Barclays Reward MC, which gives 2% on utilities (obviously the 2% cards are a better choice)
@LesWH wrote:I have tried, successfully I think, to cover my spending categories with the appropriate reward cards. The only thing I lack is the US Bank Cash + for 5% back on bills. Have you covered the majority of your categories with reward cards? If so, which ones for which categories?
Citi Forward 5% for restaurants+ entertainment (including all from Amazon) (Using for restaurants for now to get initial spend for bonus)
US Bank Cash + 5% (6.25) for restaurants + bill pay
Penfed for 5% gas
BCP for 6% groceries (after cap, Penfed for 3%)
Fidelity for 2% elsewhere
Cap One 1.5% elsewhere where Amex isn't accepted.
Only thing I miss currently is better reward on drug stores, using US Bank Cash Plus for 2% (=2.5%)
Citi Forward for restaurants and movies
Cash + for bill pay and department stores
2 penfed cards for gas
BCP for groceries
IT for rotating categories, restaurants and movies right now
I pretty much have everything covered...
@SnackTrader wrote:I'm also missing cell phone, cable, electricity, etc. That all adds up to over $500 a month, so it would be a really helpful to have a card that gets more than 1.5% for that. Oh well, not in U.S. Bank's region.
I wonder if I just drove to a branch on my way cross country if they would issue me a card to an out of state address...
I just got the card in the mail a few days ago. I live outside their service area but applied while on vacation in a branch. I didn't have any issues with getting it because of living outside their area. As always, YMMV as there have been reports the whole time the card has been offered of people being turned down for living outside their footprint. It might have helped me that I've been a US Bank customer for a couple years already.
Did they change the Cash + requirements? When they introduced it, you did not have to live in their service area to get the card (none in my state). I still got the card.
For my spending categories, I currently use:
Cash+ for Bill Pay, and Restaurants
Freedom for gas (until March)
Amex PRG for gas/plane tickets (if I don't need to check a bag)
Amex Delta for plane tickets with free checked bag
Amex BCP for groceries
Amex HH for cell phone, cable (6x HH points)
CSP for restaurants, and travel if deal is better through UR Mall
Discover and Dividend (and Freedom) for rotating categories
@emptypockets wrote:Did they change the Cash + requirements? When they introduced it, you did not have to live in their service area to get the card (none in my state).
There's not that requirement, but they don't accept applications online now, and say you have to apply in a branch (so if you don't live near the service area, a pain!)
However, some have been successful applying by phone, so it's just online that has gone.
Ah, ok.
Walmart , BCE : Gas card
BCE : 3% grocery
Discover: 5% Restaurant + Movies.
Capital One + USAA : 1% else where.
Next Target APP
Target : US+ Bank for Bill Paid and Travel.
Penfed for better 5% gas.
DCU +
Waiting for some great bonus sign up but garden remain until June or after my 1st morgate closed.