US Bank Cash Plus Visa Signature?

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
270 posts
irvinfitness
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Joined: Tue Nov 27, 2012 8:43 am
Website: http://irvinfitness.com
Location: Lafayette/IN

Postby irvinfitness » Fri Nov 30, 2012 1:03 pm

It appears you can no longer apply for the cash+ card online...Or am I missing something?

When I visit their site now, it says "Apply In Branch Only". I'm glad I applied 2 days ago and even though I didn't get the cash+ card, at least I can still say I applied for it and may be able to use it to my advantage when asking for the upgrade from cash later on.
[size=60]Chase Freedom Signature - 10k (rotating 5%)
Citi Platinum Select - 8.1k (rotating 5%)
Discover It - 12k (rotating 5%)
AMEX BCE - 20k (Groceries 3% / Gas 2% )
Regions Signature Visa - 5k
US Bank Cash+ - 5.5k (Restaurants/Fast Food 5% / Drug Stores 2%)
Navy Federal cashRewards Visa Signature - 20k (Business Purchases)
Care Credit - 6k (Vet Bills/Dentist - 0% APR)
Chase IHG Rewards (Priority Club) - 18k (Annual Night Certificate, Platinum Elite Status)

Not used except for occasional purchase with promo:
Jared - 7.5k [/size]


cashback
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Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Fri Nov 30, 2012 1:48 pm

irvinfitness wrote:It appears you can no longer apply for the cash+ card online...Or am I missing something?

When I visit their site now, it says "Apply In Branch Only". I'm glad I applied 2 days ago and even though I didn't get the cash+ card, at least I can still say I applied for it and may be able to use it to my advantage when asking for the upgrade from cash later on.


If that's true it sucks for anyone who hasn't applied yet
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

jeffysdad
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Location: Texas

Postby jeffysdad » Fri Nov 30, 2012 3:15 pm

I just looked and I don't even see Cash+ on the US Bank website where their FlexPerks card is listed along with all the cobranded retail and travel cards. I wonder if they didn't overextend themselves with the cashback and are now having second thoughts?

OK, now I found the page with Google and see "apply in branch only." I would encourage anyone who doesn't have the card and wants it but is not near a branch to call them and see what they say.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Fri Nov 30, 2012 10:14 pm

On FICO, someone is saying that they were told the card was "too successful" and US Bank has to pull back. What exactly that means remains to be seen I guess. So jeffysdad, my guess is yeah that's what is going on. They don't want people getting the card, and what they do with it, who knows. I guess 5% on billpay is really hoping for too much.

DavidNY
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Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Sat Dec 01, 2012 11:54 am

cashback wrote:Yes they are


Thanks. .

sticf
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Location: Houston

Postby sticf » Mon Dec 03, 2012 6:06 am

andrewket wrote:I convert the visa prepaid cards to Amazon $25 gift cards, and then apply the gift cards to my account. Amazon allows you to apply gift cards and maintain a credit balance on your account so you don't need to do it at time of purchase, and I don't end up with visa cards with $1.47 as you described. Btw, the banks call this concept breakage, and they factor this in to their costs/offers. They expect people to lose the cards, forget about them, leave some amount on them which gets eaten by the monthly service fees that they start charging typically after 12 months.


I have to wait until the next time I cash in points but that should work fantastic. I do a lot of shopping on Amazon anyway being able to "optimize" these cards should work perfect. Thanks.

silver6054
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Posts: 147
Joined: Mon Nov 05, 2012 5:28 pm
Location: boston

Postby silver6054 » Mon Dec 03, 2012 9:21 am

sticf wrote:I have to wait until the next time I cash in points but that should work fantastic. I do a lot of shopping on Amazon anyway being able to "optimize" these cards should work perfect. Thanks.

The only potential disadvantage that I know for doing this: gift cards are automatically applied to your next purchase (that's what the site says and I haven't found a way of stopping it), and so if you wanted to charge something to a credit card for extra warranty protection etc, you can't if you have a positive gift card balance.

LadyinRed
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Location: Los Angeles, CA

Postby LadyinRed » Mon Dec 03, 2012 10:31 am

silver6054 wrote:The only potential disadvantage that I know for doing this: gift cards are automatically applied to your next purchase (that's what the site says and I haven't found a way of stopping it), and so if you wanted to charge something to a credit card for extra warranty protection etc, you can't if you have a positive gift card balance.


I've gotten around using my gift balance before. I think I remember hitting "change payment" or something and it let me uncheck a box that said "use gift card balance." It will automatically try to apply it, but you can change it before you check out. I did this just a month or two ago.
AMEX: Blue Cash Preferred (6% on groceries, 3% gas & dept stores)
Capital One: Venture (2 points per $1, equivalent to 2%)
Chase: Freedom (rotating 5% categories), Disney Rewards (1 point per $1, Disney benefits)
US Bank: Cash+ (5% bookstores / 5% Electronic Stores)

silver6054
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Joined: Mon Nov 05, 2012 5:28 pm
Location: boston

Postby silver6054 » Mon Dec 03, 2012 11:42 am

LadyinRed wrote:I've gotten around using my gift balance before. I think I remember hitting "change payment" or something and it let me uncheck a box that said "use gift card balance." It will automatically try to apply it, but you can change it before you check out. I did this just a month or two ago.


Thanks! I will try that next time.

FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Mon Dec 03, 2012 11:42 am

LadyinRed wrote:I've gotten around using my gift balance before. I think I remember hitting "change payment" or something and it let me uncheck a box that said "use gift card balance." It will automatically try to apply it, but you can change it before you check out. I did this just a month or two ago.


I have done this too by changing the payment method.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape



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