USB Cash+ targeted offer

[Anonymous]

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@DoppelgangerD wrote:

20% more AFTER you spend $500.🙄

This is one of the suckiest promos I've seen for a credit card, lol.

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This comes up every few months on US Bank/Elan cards, with posts like the OPs here, thinking "20% extra.  Pretty good!"   We have seen some where to max out the extra $20 or so, you needed to spend over $10K.   So this is not the worst, but we sort of need a sticky "Don't get excited at US Bank Offers!"

[jj10939]

I see USB updated the look of the Cash+. It looks like a 7th grader designed that card with WordArt in MS Word 😂

[Anonymous]

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@jj10939 wrote:

I see USB updated the look of the Cash+. It looks like a 7th grader designed that card with WordArt in MS Word 😂

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But is that good or bad!

[xenon3030]

I receive such offers regularly from US Bank. It is typically "20% more" than whatever you are receiving. It means that, if you have are typically getting 5% on Cash+, the "final CB" would be only 6% (1.2*5=6) but NOT 20%.

[Anonymous]

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@xenon3030 wrote:

I receive such offers regularly from US Bank. It is typically "20% more" than whatever you are receiving. It means that, if you have are typically getting 5% on Cash+, the "final CB" would be only 6% (1.2*5=6) but NOT 20%.

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I don't think it's even that good.  Reading the fine print (and I remember something similar on the altitude reserve), it's an extra 0.2 per dollar spent, not per point earned, so on the 5% you earn 5.2%.   So now I am thinking that having it on Fidelity is actually better than most of the other choices as they are giving 0.4 per $ spent

[coldfusion]

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@Anonymous wrote:

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@DoppelgangerD wrote:

20% more AFTER you spend $500.🙄

This is one of the suckiest promos I've seen for a credit card, lol.

---

This comes up every few months on US Bank/Elan cards, with posts like the OPs here, thinking "20% extra.  Pretty good!"   We have seen some where to max out the extra $20 or so, you needed to spend over $10K.   So this is not the worst, but we sort of need a sticky "Don't get excited at US Bank Offers!"

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They do have some decent offers; for example right now I have an active offer to get $15 cashback if I pay 2 internet/cable/cell phone bills by June 30 and I just got the payout from another one that offered $25 cash back for $250 worth of purchases  (which I met with  5% category spend).

[NoHardLimits]

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@Anonymous wrote:

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@DoppelgangerD wrote:

20% more AFTER you spend $500.🙄

This is one of the suckiest promos I've seen for a credit card, lol.

---

This comes up every few months on US Bank/Elan cards, with posts like the OPs here, thinking "20% extra.  Pretty good!"   We have seen some where to max out the extra $20 or so, you needed to spend over $10K.   So this is not the worst, but we sort of need a sticky "Don't get excited at US Bank Offers!"

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I remember that thread you started last year.   You needed to spend over $10k and I needed to spend over $18k to get that measly extra $20 in rewards.  Crazy stuff!

Now, I did actually get a reasonable targeted offer from USB yesterday:

"Make at least 3 online purchases that add up to a total of $100 or more and earn a $10 statement credit."  

I have this same offer on two of my cards, so that's $200 in net purchases for $20 extra in rewards.  I enrolled for the offer, but I need to work on hitting minimum spend for a new SUB first.

[UncleB]

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@coldfusion wrote:

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They do have some decent offers; for example right now I have an active offer to get $15 cashback if I pay 2 internet/cable/cell phone bills by June 30 and I just got the payout from another one that offered $25 cash back for $250 worth of purchases  (which I met with  5% category spend).

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These offers always pay out, but they take so long that by the time the statement credit appears I've completely forgotten about the promotion altogether, LOL.

[UncleB]

The offer I have on one Cash+ requires me to spend $1200, and the offer on the other Cash+ requires $550 spend... the rest of the deal is the same as everybody elses.

Yeah, I'm not likely to bother with this.

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@jj10939 wrote:

I see USB updated the look of the Cash+. It looks like a 7th grader designed that card with WordArt in MS Word 😂

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Oh my, until you mentioned it I hadn't noticed they had updated it (yet again).  My heavens, that's terrible... I've seen better designs from backwoods credit unions using the default template from their card issuer (some of which were probably Elan, which just adds to the irony). 

[TrapLine]

Com'mon UncleB ... play ball here? This card matches up to the US Bank Shoppers Cash Rewards Visa Signature Card with a low AF of $99 per year (after first year). They say 6% is all yours for two retailers and so on?!

Hmm ... does this portend of things to come for the US Bank Cash+ Visa Card with a $0 dollar AF? Wondering?