Question about Cash+ from US Bank

[laboi_22]

I've reviewed the website and according to their cash back estimator, I can get about close to $50 per month. This is based on the categories that I chose. So my question is can you choose the same categories each quarter or do they always completely change. Bill pay is a great 5% cash back opportunity. So will bill pay be available after this quarter? I'm very intrigued about this card!

[Crashem]

So far categories have remained the same.

[laboi_22]

That is amazing!! I might have to pull the trigger...

How strigent are they and what report do they pull??

[Crashem]

Random bureau.  Fairly conservative lender.  Will warn that you need cl's above 5k and qualify for 5k or cash+turns into Regular cash card.  Going on fico I think you have decentmi 

[laboi_22]

Aww don't want to apply for Cash + and get the regular cash card I would not open a new account and risk my AAoA going down for that card so it would end up being a burned HP for nothing. Oh well I'll apply later on maybe next year. Thanks for mentioning that because if I can't get Cash+ I don't want any other variations.

[andre181]

They do seem pretty random with who they pull but for the most part, it seems they pull TU in the midwestern states (with some exceptions) and EX elsewhere.

[Crashem]

I think you are close.  Worth apping for two reasons.  One they product change so even if you get the crappy card, you can pc with no harm to credit later.  Second, look for my comments on how I was able to recon my cl before they issued card to get higher cl.  I would do the same as I did.

[laboi_22]

More food for thought. Thanks everyone. I might look a little closer at this one. I'll update on my decisions especially if I apply and most importantly if approved!!

[ACsteel]

This card is getting a lot of attention and for good reason.

[laboi_22]

I'm starting to see that. Also one more question. Can you pick the same catagories each time or do you have to pick different or new catagories each quarter.