Bad changes coming to US Bank Cash + Card

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
151 posts
FutureBillionaire
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Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Thu Jan 17, 2013 12:09 pm

I'm going to use the cell phone category. I don't even know what my second category will be. Maybe I will do restaurants. I already seem to have a few restaurant cards. I'm going to be using my citi forward a lot more now. I may do the bookstores option. This card isn't as awesome anymore. I would have been fine if they just capped it.
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


Bksuper
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Posts: 257
Joined: Sun Oct 14, 2012 10:22 pm
Location: California

Postby Bksuper » Thu Jan 17, 2013 8:15 pm

Department Stores will be one of mine; due to lack of transport and low spending I haven't done GCs yet, but you can still get gift cards at department stores and get almost as much as the BCP at supermarkets, more if you include the once annual $25 bonus (not that I spend enough to get it) without the AF, and a quarterly cap of $2k is better than an annual cap of $6k, right? Ill pick electronic stores in advance when I know Im making a big ticket purchase from say Apple, the rest of the time I'll do book stores (which hopefully includes Amazon); although that might change to cell phones if the categories are the same when I'm done with school (doubtful). The categories are still better than the Freedom or More, you still get to pick them rather than be stuck with it rotating, and the cap is still higher than the Freedom or the BCP. Its still the best credit card by far. For me, its my highest limit card so all my big purchases that don't earn top tier rewards on my other cards have to go on it even at 1% back (I get 2% back on everything on my 1FB card but it has such a low limit).
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

craigm1
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Posts: 285
Joined: Wed Dec 01, 2010 8:44 pm
Location: toms river nj

confirmed changes

Postby craigm1 » Thu Jan 17, 2013 8:22 pm

Just called us bank, $2000 cap per quarter, after june only 1 $25 bonus per $100 and they dropped bill pay, the rep said not that many people were taking advantage of the bill pay option, is he kidding they will have a cell phone category, so if i do that and restaurants my cell bill is 250 a month that will leave me with $1250 a quarter for restaurants basically the limit now for cash back is going to be $425 a year with a bonus of $25 bucks, thank god I never upgraded my amex blue cash from the 5% on drug,gas,supermarket party has ended on this really fast got my card in AUG of last year

craigm
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

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

Postby cashback » Thu Jan 17, 2013 8:34 pm

craigm1 wrote:Just called us bank, $2000 cap per quarter, after june only 1 $25 bonus per $100 and they dropped bill pay, the rep said not that many people were taking advantage of the bill pay option, is he kidding they will have a cell phone category, so if i do that and restaurants my cell bill is 250 a month that will leave me with $1250 a quarter for restaurants basically the limit now for cash back is going to be $425 a year with a bonus of $25 bucks, thank god I never upgraded my amex blue cash from the 5% on drug,gas,supermarket party has ended on this really fast got my card in AUG of last year

craigm


After June for all changes?
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

Bksuper
Centurion Member
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Posts: 257
Joined: Sun Oct 14, 2012 10:22 pm
Location: California

Postby Bksuper » Thu Jan 17, 2013 8:42 pm

Bill Pay (and the other category replacements) is gone/happen after this current quarter. The caps on $25 bonus redemptions and quarterly spending eligible for 5% back is June I believe.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

hematino
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Posts: 339
Joined: Fri May 11, 2012 4:08 pm
Location: Atlantic City, NJ

Postby hematino » Fri Jan 18, 2013 12:04 am

Bksuper wrote:...you can still get gift cards at department stores and get almost as much as the BCP at supermarkets, more if you include the once annual $25 bonus (not that I spend enough to get it) without the AF, and a quarterly cap of $2k is better than an annual cap of $6k, right? ......The categories are still better than the Freedom or More, you still get to pick them rather than be stuck with it rotating, and the cap is still higher than the Freedom or the BCP. Its still the best credit card by far.


+1

Bksuper, I am curious about your First Financial Bank card. Was it always a 2% rewards card? 1FB Gold Visa was my first credit card and I have been a member since 2004 and it has always just been a cut and dry no frills or rewards card. I started with a limit of $500 and it jumped to $1800 a year later and hasn't moved since (and 29.99% APR! which they refuse to lower). I had heard about a 2% back product offered by them in both Platinum Visa and MC form, but I can't find a lot of details and their shady website doesn't mention specific products. I called and tried to product change or something a few times and they CSRs always act like they have no idea what I'm even talking about. Only reason I still bother to keep the card is that its my oldest trade line and helps boost my AAoA amidst all my new accounts these past two years. How do you like your card?
Now she's eyeless.
The snakes she held once
Eat up her hands.

RewardHop
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Posts: 307
Joined: Wed Jan 02, 2013 3:43 pm
Location: USA

Postby RewardHop » Fri Jan 18, 2013 12:11 am

Well I should have gotten in on this card earlier, I've only had this card since November 2012.

This is still better for 5% Restaurants + Fast Food compared to the Citi Forward right? This still gives you 1 bonus $25 on $100 redemption and the rewards are 1:1 in terms of cash back. Whereas Citi Forward isn't 1:1 in cash back, statement credits, etc.
[size=60]
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]

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

Postby cashback » Fri Jan 18, 2013 7:17 am

RewardHop wrote:Well I should have gotten in on this card earlier, I've only had this card since November 2012.

This is still better for 5% Restaurants + Fast Food compared to the Citi Forward right? This still gives you 1 bonus $25 on $100 redemption and the rewards are 1:1 in terms of cash back. Whereas Citi Forward isn't 1:1 in cash back, statement credits, etc.


Technically yes it would be the better card for that. But then you'd be missing out on the new cell phone category (if that actually happens). It sucks that Cash+ seperates Restaurants and Fast Food. Wish they would combine the two and then the card wouldn't be bad for cell phone and food.
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

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

Postby silver6054 » Fri Jan 18, 2013 8:13 am

cashback wrote:Technically yes it would be the better card for that. But then you'd be missing out on the new cell phone category (if that actually happens). It sucks that Cash+ seperates Restaurants and Fast Food. Wish they would combine the two and then the card wouldn't be bad for cell phone and food.


Not sure it is better. Forward is 1:1 for some choices (mortgage/student loan) and if you have another TYP card, 1:1 for all. More importantly, now Forward is uncapped, as compared to $2K per quarter for all on Cash Plus.

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

Postby silver6054 » Fri Jan 18, 2013 8:16 am

Bksuper wrote:Department Stores will be one of mine; due to lack of transport and low spending I haven't done GCs yet, but you can still get gift cards at department stores and get almost as much as the BCP at supermarkets, more if you include the once annual $25 bonus (not that I spend enough to get it) without the AF, and a quarterly cap of $2k is better than an annual cap of $6k, right? Ill pick electronic stores in advance when I know Im making a big ticket purchase from say Apple, the rest of the time I'll do book stores (which hopefully includes Amazon); although that might change to cell phones if the categories are the same when I'm done with school (doubtful). The categories are still better than the Freedom or More, you still get to pick them rather than be stuck with it rotating, and the cap is still higher than the Freedom or the BCP. Its still the best credit card by far. For me, its my highest limit card so all my big purchases that don't earn top tier rewards on my other cards have to go on it even at 1% back (I get 2% back on everything on my 1FB card but it has such a low limit).


Is the category "Department stores" general (i.e. all such stores). BCP/BCE has a restricted list that gets their discount.



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