@Anonymous wrote:
@BigBS wrote:
@DieGo2SHAE wrote:Since the citi forward isn't available to new people anymore (5% cashback on any kind of restaurant with no limit of any kind), then the US Bank Cash+ is the best option for 5%. You'll have to select both fast food and normal restaurants as your two 5% categories.
If you can't qualify for it or don't have a branch in your area (you have to apply in person), then the sam's club mastercard is coming soon and will given 3% on restaurants (as well as 5% on gas and 3% on travel). Beyond that there are several cards in the 2% range, such as the chase amazon visa and citi's thank you preferred (the premiere version gives 3% but has a $125 AF).
You can apply for the Cash+ over the phone.
You Can?
I would have gotten this if I knew this. Their site only has "Apply in Branch" and the nearest US Bank is 100s of miles away.
Anyhow, I just use my CSP for dining now but Cash + is better like people have said.
There was an thread last month or month before with number you can call if you don't live in the area for us bank cash+ applications , I think it was Wade who gave out the 1800 number
How difficult to get approved for USbank cash + ?
what's the average score/lowest score to get approved and which credit report do they pull?
@Christina_xyt wrote:How difficult to get approved for USbank cash + ?
what's the average score/lowest score to get approved and which credit report do they pull?
They are an TU puller , and most people have low to mid 700s i think that have been approved
@mongstradamus wrote:
@Christina_xyt wrote:How difficult to get approved for USbank cash + ?
what's the average score/lowest score to get approved and which credit report do they pull?
They are an TU puller , and most people have low to mid 700s i think that have been approved
mid 700s as in 750?! O.O
@DieGo2SHAE wrote:Since the citi forward isn't available to new people anymore (5% cashback on any kind of restaurant with no limit of any kind), then the US Bank Cash+ is the best option for 5%. You'll have to select both fast food and normal restaurants as your two 5% categories.
That's such a shame about the Citi Forward. It was my first ever credit card (got it a little under 3 years ago) and did not even understand at the time how awesome the 5x points on dining and bookstores/Amazon was - I'm so glad that I got grandfathered in when they got rid of and changed the card for new members.
My budget is mostly food, groceries, gas, and sundries, and I only have two cards: Citi Forward and Amex BCP. If you spend a decent amount of your monthly budget on groceries, I'd encourage you to try for the BCP instead of the BCE - you get 6% on groceries and 3% on gas and department stores (although you can buy a reasonable amount of gift cards at the grocery store for an equivalent of 6%). I was leery of the annual fee, but I got a signup bonus of $250 that theoretically pays for the first 3 years, and after compiling an expense report realized that even without the bonus and with the AF I would be saving more money than with the BCE and no AF.
For what it's worth, I'm looking into the US Bank Cash+.
PayPal Extras is the best card I have for dining at ~2.5% back. I can't qualify for anything from US Bank or anything with 5% categories at all for that matter.
Sounds like Multiple Cash+ and multiple SallieMae rewards mastercards are called for in this situation.
Might as well get multiple BOA Better Balance Rewards cards too, while you're at it.
@elegia wrote:
@DieGo2SHAE wrote:Since the citi forward isn't available to new people anymore (5% cashback on any kind of restaurant with no limit of any kind), then the US Bank Cash+ is the best option for 5%. You'll have to select both fast food and normal restaurants as your two 5% categories.
That's such a shame about the Citi Forward. It was my first ever credit card (got it a little under 3 years ago) and did not even understand at the time how awesome the 5x points on dining and bookstores/Amazon was - I'm so glad that I got grandfathered in when they got rid of and changed the card for new members.
My budget is mostly food, groceries, gas, and sundries, and I only have two cards: Citi Forward and Amex BCP. If you spend a decent amount of your monthly budget on groceries, I'd encourage you to try for the BCP instead of the BCE - you get 6% on groceries and 3% on gas and department stores (although you can buy a reasonable amount of gift cards at the grocery store for an equivalent of 6%). I was leery of the annual fee, but I got a signup bonus of $250 that theoretically pays for the first 3 years, and after compiling an expense report realized that even without the bonus and with the AF I would be saving more money than with the BCE and no AF.
For what it's worth, I'm looking into the US Bank Cash+.
Oh you're telling me, I got my Forward literally less than one month before it was downgraded for new users. At the time I was only getting it for the amazon bonus and considered the restaurants perk to be a minor benefit at best. Nowadays it's my favorite card by far because I didn't realize just how rare an unlimited 5% cashback card for literally any kind of restaurant was. I'm very very glad I got the card when i did =] I wont even request the chip upgrade for the card out of paranoia that Citi will take the chance to downgrade me, hahah
I dont use my BCE for groceries, I use my sallie mae (5% on groceries, as well as on gas and amazon/bookstores, no AF) since I dont spend anywhere near enough to meet its caps, much less to make the BCP worth it after the AF. I only have the BCE for the regular Amex promotions and to have a history with Amex in general. That and having an Amex is just nice on its own =P
May 2013