The U.S. Bank Cash+ card is known for its unique rewards structure (you get to pick two 5 percent categories each quarter and a 2 percent category).

It’s also known for moving the goal posts on cardholders by switching up the categories available.

The most recent change: In February 2017, the the card is adding a “ground transportation” category and eliminating its “charity” category.

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When the Chase Sapphire Reserve came out in August 2016, it was pretty much lauded as a “slam-dunk” card — a card it was definitely worth applying for, even for those who wouldn’t necessarily utilize its many travel benefits.

A big part of that was its 100k-point sign-up bonus (after $4,000 in spending in the first three months). Even if you just redeemed that bonus for straight-up cash back (NOT the best way to use your Ultimate Rewards Points) and did nothing else with the card (NOT the best way to use the Sapphire Reserve), you’d get a $1,000 value from that bonus, enough to cover the annual fee for two years.

Now, the 100k bonus for online applicants is going away — and is being replaced with a 50k bonus. Is the Reserve still worth it?
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A look inside Chase’s Credit Journey score-tracking service

Chase has launched a free credit-education service called Credit Journey, allowing you to track your credit score and other metrics tied to your credit health.

You don’t have to be a Chase cardholder to join. So the service is similar to Discover’s Scorecard service (launched last year), in that it’s open to all.

Is it worth signing up for? After all, Free credit-score tracking services have been around for years (Credit Karma and Credit Sesame, for example).

We signed up to take a closer look.
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The Consumer Financial Protection Bureau (the government watchdog agency tasked with protecting consumers in the financial sector) came down on TransUnion and Equifax yesterday.

The two credit-reporting agencies will have to pay a total of nearly more than $20 million in restitution to consumers and fines to the CFPB. The crime? According to the CFPB, the agencies “misstated the cost and usefulness of the credit scores and products they sold” and “lured consumers into costly recurring payments.”

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