US Bank Cash+

[Anonymous]

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@Anonymous wrote:

Anyone have TWO Cash+ cards?  I am thinking about it.

I use my 5% categories on Utilities and Gym Memberships.  This is good for about $15 a month in savings.

I can't see those categories changing.  If I added another Cash+ card, I could use one slot for TV/Internet/Streaming and then one floating category.  Maybe department stores in Q4 for Christmas shopping, etc.  Cell phone would be a no brainer if they offered cell phone insurance.

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Yes, quite a few of us have 2.   I agree about cell phone.  When I had more lines, 5% was very worthwhile, but now my kids moved to their own plans, getting a lower rate on another card but with insurance is better.  Wish they did insurance!

[MASTERNC]

I use mine for utilities and my cable/Internet/cell phone.  Strangely, Verizon Fios codes under the cell phone category (even though I do not have cell service with them), which works in my favor anyway.

[SBR249]

Yes, it's possible to have more than 1 Cash+ cards.

I cold apped for the Cash+ and got it and then a few months later applied to set up a Gold package checking account (free for USBank CC holders) and in the process of that, they offered me another Cash+ with the same limit as my first. I didn't take it because I didn't want another HP. 

[Trudy]

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@K-in-Boston wrote:

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@Anonymous wrote:

We are eating lunch out more now, mainly at places like Panera Bread, Jersey Mikes, pizza delivery, and Buena Beef (Illinois only). We may spend $100 monthly in this area, plus or minus.

Would these categories, especially Panera, count as "fast food"? What are some of the other p[laces that are considered "fast food," in your experience?

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Only Visa MCC Code 5814 will result in 5% back if you choose the Fast Food Category.  Most restaurants will be set up as 5812 - Eating Places and Restaurants.  (Most bars, even those that serve food, will be 5813.)  This is completely dependent upon how each location's credit card merchant account was set up.  You can use the VISA Supplier Locator to get MCC codes: https://www.visa.com/supplierlocator-app/app/#/home/supplier-locator

For comparison, here are screenshots of Panera, McDonalds, and a generic search for pizza here in Boston.  You can see that one Panera was incorrectly set up as fast food, all of the McDonalds locations are set up correctly as 5814, and with pizza it's likely going to be all over the place.  McDonalds, Burger King, Wendy's, Popeyes, Taco Bell, etc. you should be okay with.  Restaurant chains in the quick service model rather than fast food (Panera, Chipotle, Qdoba, etc.) can be coded either way, but should be coded as 5812 and not as 5814 (Fast Food).

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Interestings K-in-Boston. I don't eat fast food a lot and the only ones I could find in my USB history are below.  For me, McDonalds was classified as Fast Food.

[Anonymous]

One of my favorite cards as I get back $40 in cash monthly.
You can absolutely get cash and not a credit. I do it every month and transfer to my savings with same bank. Can also transfer to checking with different bank.
They did change things and you can only see your cash back in the app now. Have to use desktop or laptop browser to fully access or can call number on Card.

[Anonymous]

SRP also falls into “utility” category

[Anonymous]

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@Anonymous wrote:
One of my favorite cards as I get back $40 in cash monthly.
You can absolutely get cash and not a credit. I do it every month and transfer to my savings with same bank. Can also transfer to checking with different bank.

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Really?   I only see the options for statement credit or transfer to US Bank account.

[dlister70]

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@Anonymous wrote:

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@Anonymous wrote:

Anyone have TWO Cash+ cards?  I am thinking about it.

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Yes, quite a few of us have 2.   

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Wait, what?  You can get two Cash+ cards for yourself?  As in, not one for you and one for your spouse.. but two in your own name?

Interesting.  I could certainly use another couple 5% categories in my life. 

[Anonymous]

I’ve either transferred to my US Bank savings or to my checking without a problem. I used to do it through app but last 2 months I’ve called the number on card and the agent has taken care of it. Why they made it a bit difficult, I have no idea.

[K-in-Boston]

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@MASTERNC wrote:

I use mine for utilities and my cable/Internet/cell phone.  Strangely, Verizon Fios codes under the cell phone category (even though I do not have cell service with them), which works in my favor anyway.

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I'm jealous.  For me, Verizon FIOS coded on VISA as "Calls Placed Through the Use of Magnetic Stripe Reading Telephones" and did not trigger the 5% category.  However, on American Express it has always triggered the Verizon Wireless or other cell phone bonuses.  Their payment processing must be different by region and the MCC for Visa was set up incorrectly here.