@unsungivy wrote:
@longtimelurker wrote:
@FinStar wrote:
@sean31732 wrote: Finstar... Thanks for the reply.Honestly, I'd rather stick with the US Bank version and not the smaller bank knockoff versions of this card. 👍
The reason I mentioned ELAN was because some members may not be aware of the USB alternatives.
I'm not sure it's quite fair to characterize the Max Cash as "the smaller bank knockoff versions" Elan is just a division of US Bank that, amongst other things, basically white labels US Bank credit cards to other banks ...not really a knockoff
🤨Funny how for a "knockoff", some of the categories are definitely better/more inclusive. "Entertainment" being a bigger category than just "Movie Theaters" for example.
The argument I would accept is "I don't want to add another login to juggle and/or track, and prefer to add to one I'm already using" 👍
That's true, @unsungivy. The additional login would probably be the major complaint. I think this applies even if you have deposit accounts with the sponsoring financial institution for the Elan card.
There are other benefits to the Elan cards, but you mentioned a great one:
- Advantages in the way categories are defined and structured by Elan, since they aren't identical between US Bank Cash+ and Elan Max Cash Preferred.
- From the master thread and subsequent data, it does appear Elan is a little easier to be approved with other recent credit-seeking and credit limits may be a bit more generous the Cash+.
- One huge beneficial difference is that Cash+ categories must be chosen every quarter but Max Cash Preferred will retain the previous quarter's selection automatically with no action required by the consumer. For someone who wishes to use their card in the same category, this is much more convenient.
- On the other hand, I'm not aware of any particular advantage of a Cash Plus card over the Max Cash Preferred program unless you already bank with US Bank and can manage the card more easily from their website or mobile app.
@BronzeTrader wrote:
@FinStar wrote:
@BronzeTrader wrote:Read to see how many people have been shut down with the USAlliance card with the 6% grocery spend. That is caped at $2,000/month. But still a lot people use that to buy GCs at grocery stores.
"I was slowly increasing volume and was doing $2.5K per week. I guess they decided to look through accounts and emailed shutdown notices yesterday. I was trying to stay below the radar but failed."
@BronzeTrader - you're missing the entire point. This thread is specific to the USB Cash+ card and any multiples of said card, at most 2 by a single cardholder. Not USAlliance, not Chase. U S B a n k.
I had two at one point. Obtained the SUBs on both cards without any issues and used categories without a hitch.
Please point us to a USB shutdown because of your illusion of perceived abuse on that particular product. That's right, there's no topics on that ever since the USB Cash+ was launched. Maybe try Reddit.
You can certainly read OP's post. The intention is to obtain the new card bonus, and that only. And in rapid fashion. That is clearly a red flag.
Sure OP can do that with other players like P2 etc.
My point is that, just do not abuse anything that is good. Then get trapped and get shut down.
Here is what OP said, I circled it and all that
Also, I'm not sure what's up with constant bringing up of P2 as if that's a solution to every problem.
@longtimelurker wrote:
@Aim_High wrote:
- On the other hand, I'm not aware of any particular advantage of a Cash Plus card over the Max Cash Preferred program unless you already bank with US Bank and can manage the card more easily from their website or mobile app.
Really reaching here, if you DON'T bank with US Bank, but if you want to get the Altitude Reserve! But I don't actually know that the Max Cash won't count, as it is really Elan, but somehow doubt it.
While that has long been the case, @longtimelurker, US Bank removed the "existing client" language from Altitude Reserve applications sometime during 2022 from my understanding. Cold apps are now allowed! 
But yes, previously you needed to have either deposit accounts or another credit card.
@Aim_High wrote:
@longtimelurker wrote:
@Aim_High wrote:
- On the other hand, I'm not aware of any particular advantage of a Cash Plus card over the Max Cash Preferred program unless you already bank with US Bank and can manage the card more easily from their website or mobile app.
Really reaching here, if you DON'T bank with US Bank, but if you want to get the Altitude Reserve! But I don't actually know that the Max Cash won't count, as it is really Elan, but somehow doubt it.
While that has long been the case, @longtimelurker, US Bank removed the "existing client" language from Altitude Reserve applications sometime during 2022 from my understanding. Cold apps are now allowed!
I had missed that change. So now it's just a card for the masses, into my S/D it goes!