US Bank Cash+

[Anonymous]

Be careful with Zelle. I’ve used it for a long time but ran into a problem recently. I always used my phone number for sending and receiving through Zelle. I also had my email address listed on the account.
The problem came a couple weeks ago when a friend sent me money, she sent to my email address instead of phone number.
I was getting emails telling me I had been sent money and to click the button to accept. I clinched the button every day and couldn’t accept.
You have to not only have your email listed but you have to “enroll” it. So make sure whatever addresses or numbers you used are “enrolled” first, before trying any transactions.
Because I enrolled after it was sent, I was unable to retrieve the funds and had to wait 14 days for it to be returned to sender so it could be initiated again.
Crazy thing is she was sending and I was receiving through US Bank and this couldn’t be straightened out any sooner.

[UncleB]

---

@K-in-Boston wrote:

---

@Anonymous wrote:
My checking account is with a Citizens Bank and they transfer to it.

---

I already cashed this month out as a statement credit so I can't post a screenshot but mine literally only has the greyed out option to transfer to a US Bank account (greyed out since I don't have one), statement credit, or for them to mail me a prepaid debit card (which I did the first time for the $25 extra bonus).  Have you had your card for a while and maybe you're grandfathered in, while they no longer allow it for others?  I got my card in late 2017.

---

Same for me.  I can help out with a screenshot:

[Anonymous]

---

@UncleB wrote:

---

@K-in-Boston wrote:

---

@Anonymous wrote:
My checking account is with a Citizens Bank and they transfer to it.

---

I already cashed this month out as a statement credit so I can't post a screenshot but mine literally only has the greyed out option to transfer to a US Bank account (greyed out since I don't have one), statement credit, or for them to mail me a prepaid debit card (which I did the first time for the $25 extra bonus).  Have you had your card for a while and maybe you're grandfathered in, while they no longer allow it for others?  I got my card in late 2017.

---

Same for me.  I can help out with a screenshot:

---

I got mine in 2012 and have the same display (on my card without a US Bank account) so I don't think it's a recent change.

@Anonymous    When you say they transfer to Citizens, can you do that directly from (something like) the screen above, i.e. your Citizen's account appears as a transfer option?  

[Anonymous]

Just checked my options for rewards redemption with US Bank Cash+ Visa and it matches the examples already posted on here. The drop down for the Deposit Account lists some of my already existing USB Accounts and no other options!

[Anonymous]

This is at the top of my favorites list as this month alone was $47 back. Last month was $42 and the lowest I've ever had was $15.

i had a mortgage with them that I paid off in June of last year and closed my checking ten years ago. Dealing with them for checking and mortgage was terrible but I love their credit card.

[Trudy]

I have this card but I would probably benefit more from having 2 as questioned by the OP.  I think (not sure) other cards (Discover?), even with rotating categories may be of more benefit than 1 Cash+ card unless you have targeted purchases or an excess in one of the 5% categories.  It seems difficult to max the 5% on most of the categories.  I could definitely be wrong as I assume some out there may spend 2K a qtr in the options.

I was replacing lots of furniture/appliances in 2019 and chose the associated categories.  However, the most I can get on the quarterly 5% is $100 per quarter although I spent 5 - 7K+ in the quarters I purchased.  Sounds good but for me unless I'm spending 2K on 5% categories each quarter the choices other than my purchases in 2019 did not/does not garner much rewards.  The only other category I can assume would come close is electronics. But I agree it's better than nothing.  I wish there were other categories associated with 5%.  I've never come close to maxing any other category but maybe others can.  I use gas consistently for my 2% considering I have 2% groceries with my Savor which that card actually benefits me more considering the 4% on dining and entertainment and my spending habits.  I guess it ultimately comes down to your spending habits.  

USB 5 percent.PNG

[Anonymous]

Does this card offer a monthly FICO score by chance?

[Trudy]

---

@Anonymous wrote:

Does this card offer a monthly FICO score by chance?

---

No.  Credit Wise V3.

[Anonymous]

---

@Trudy wrote:

I have this card but I would probably benefit more from having 2 as questioned by the OP.  I think (not sure) other cards (Discover?), even with rotating categories may be of more benefit than 1 Cash+ card unless you have targeted purchases or an excess in one of the 5% categories.  It seems difficult to max the 5% on most of the categories.  I could definitely be wrong as I assume some out there may spend 2K a qtr in the options.

I was replacing lots of furniture/appliances in 2019 and chose the associated categories.  However, the most I can get on the quarterly 5% is $100 per quarter although I spent 5 - 7K+ in the quarters I purchased.  Sounds good but for me unless I'm spending 2K on 5% categories each quarter the choices other than my purchases in 2019 did not/does not garner much rewards.  The only other category I can assume would come close is electronics. But I agree it's better than nothing.  I wish there were other categories associated with 5%.  I've never come close to maxing any other category but maybe others can.  I use gas consistently for my 2% considering I have 2% groceries with my Savor which that card actually benefits me more considering the 4% on dining and entertainment and my spending habits.  I guess it ultimately comes down to your spending habits.  

USB 5 percent.PNG

---

Have you thought about prepaying things? Something like pay off the cable/internet bill for the year one quarter, gas the next, electricity the next, and then set department and electronic stores for 4Q for holiday shopping? Most utilities will let you pay in advance. 

[Anonymous]

---

@Trudy wrote:

I have this card but I would probably benefit more from having 2 as questioned by the OP.  I think (not sure) other cards (Discover?), even with rotating categories may be of more benefit than 1 Cash+ card unless you have targeted purchases or an excess in one of the 5% categories.  It seems difficult to max the 5% on most of the categories.  I could definitely be wrong as I assume some out there may spend 2K a qtr in the options.

I was replacing lots of furniture/appliances in 2019 and chose the associated categories.  However, the most I can get on the quarterly 5% is $100 per quarter although I spent 5 - 7K+ in the quarters I purchased.  Sounds good but for me unless I'm spending 2K on 5% categories each quarter the choices other than my purchases in 2019 did not/does not garner much rewards.  The only other category I can assume would come close is electronics. But I agree it's better than nothing.  I wish there were other categories associated with 5%.  I've never come close to maxing any other category but maybe others can.  I use gas consistently for my 2% considering I have 2% groceries with my Savor which that card actually benefits me more considering the 4% on dining and entertainment and my spending habits.  I guess it ultimately comes down to your spending habits.  

USB 5 percent.PNG

---

That's a long post/reply for someone that doesn't know anything about this card. Discover is a joke next to this one. How about going and looking at the choices for US Bank cash plus?You should really look at this card as I have yet to meet anyone that does not have electric and water bills and a cell phone bill. These are the ONLY three bills I use this card for that nets 5%.