Contact US Bank, save the cash + categories!

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Members share tips and tricks for getting the most miles, & points.
39 posts
Randiesel75
Platinum Member
Platinum Member
 
Posts: 84
Joined: Thu Dec 27, 2012 8:43 pm
Location: Clark, NJ

Postby Randiesel75 » Mon Jan 21, 2013 7:21 pm

cashback wrote:Visa/MC gift cards can be used for anything. There arent merchant gift cards for everything. Such as cable bill, insurance, school tuition, etc. Using Visa/MC gift cards nets you 4% cash back


Ok, now it makes sense. I've never purchased merchant gift cards so wasn't aware.

Thanks!


Gamma
Centurion Member
Centurion Member
 
Posts: 464
Joined: Sat Sep 15, 2012 1:15 am
Location: Los Angeles, CA

Postby Gamma » Mon Jan 21, 2013 11:24 pm

Cashback, only MC allows you to register the card online with your information, such as, name and billing address? Does that information work with paying bills online, such as cable bills, etc?

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

Postby cashback » Tue Jan 22, 2013 10:13 am

Gamma wrote:Cashback, only MC allows you to register the card online with your information, such as, name and billing address? Does that information work with paying bills online, such as cable bills, etc?


Yes and yes. Visa only allows registering your zip code.
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

User avatar
Calipso
Centurion Member
Centurion Member
 
Posts: 195
Joined: Mon Oct 29, 2012 2:50 pm
Location: Boston

Postby Calipso » Tue Jan 22, 2013 3:40 pm

I'm glad I never tried for this card. I would be completely disappointed with how this all turned out.

I'm really surprised the majority of people on here are keeping this card though.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

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

Postby silver6054 » Tue Jan 22, 2013 4:26 pm

Calipso wrote:I'm glad I never tried for this card. I would be completely disappointed with how this all turned out.

I'm really surprised the majority of people on here are keeping this card though.


Why? Yes, much worse than it used to be, but why get rid of it? With no annual fee, many people would say "keep it and just don't use it" for ANY card, to preserve the CL against utilization. However, this card still has some useful features (for some). Being able to choose and keep categories seems much better than having to follow some random imposed rotating categories.

If I didn't have it, I'm not sure I would now apply for it, but I'm not applying for the Freedom or Discover IT either, and I think, again for some, this card is still competitive with those as cash back.

FutureBillionaire
Centurion Member
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Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Tue Jan 22, 2013 6:02 pm

The card isn't terrible. It's still useful. I'm just bummed about the changes being so abrupt and overwhelming. The Bill pay category is a major loss. MAJOR. I can't underscore that fact enough.
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

Gamma
Centurion Member
Centurion Member
 
Posts: 464
Joined: Sat Sep 15, 2012 1:15 am
Location: Los Angeles, CA

Postby Gamma » Tue Jan 22, 2013 9:47 pm

cashback wrote:Yes and yes. Visa only allows registering your zip code.


Wow that's something I did not know. I don't buy major gift cards often so I had no idea. This is gonna be my new form of payment for my online bills. What about gas? Can you swipe it in the pump? If so, how much do they put a hold on? Gonna abuse bcp to the max now.

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

Postby cashback » Wed Jan 23, 2013 9:00 am

Gamma wrote:Wow that's something I did not know. I don't buy major gift cards often so I had no idea. This is gonna be my new form of payment for my online bills. What about gas? Can you swipe it in the pump? If so, how much do they put a hold on? Gonna abuse bcp to the max now.


That used to be what I would do. I would buy about $2500 in gift cards per month with my BCP. I have since stopped and spread my spending out over the 5% cards I have due to the cap on BCP and the fact that my grocery store stopped selling $500 gift cards. I still use gift cards. I buy them at the drug store, but I'm down to about $1000 a month needed in gift cards. I just spent 6K in gift cards with my Citi Dividend/Chase Freedom card to use them over the next 6 months.

You can use gift cards just like a normal credit card. Places like gas stations, restaurants, and hotels put additional funds on hold. So if you only have $75 on a card, and the gas station you go to needs to put $100 on hold, the card may be denied. But you can always go inside and pay a specific amount and they don't put additional funds on hold.
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

nvtech
Centurion Member
Centurion Member
 
Posts: 150
Joined: Thu Oct 25, 2012 9:28 am
Location: USA/North Carolina

US Bank Cash + ( Email Reply from US Bank)

Postby nvtech » Thu Jan 24, 2013 1:03 pm

FutureBillionaire wrote:Please go to FACEBOOK and write on the wall for US Bank on their page. Also, go to the cash + page and send them a message. Let them know that we want the same categories, but they can add the caps. Otherwise, I'm sure we will all be using the card less!


Hi XXXX, I have read your feedback regarding the changes and have already shared it with management so they are aware of what customers are saying. Starting in April three new categories will become available for customers to choose (Sporting Goods, Book Stores and Cell Phone) replacing Airlines, Home Improvement and Bill Payment. We hope that you will consider the benefits that Cash + offers. We are still the only card on the market that allows you to choose your own 5% category. Also, we hope you understand that we are very appreciative of the feedback that our customers give so we can continually make our products reflective of their needs. Thank you for taking the time to let us know your concerns ^Katie

LadyinRed
Platinum Member
Platinum Member
 
Posts: 72
Joined: Mon Jul 23, 2012 8:14 pm
Location: Los Angeles, CA

Postby LadyinRed » Thu Jan 24, 2013 1:57 pm

I guess it's time to figure out if Amazon counts as a bookstore with US Bank or not.

To my knowledge it DOES for the Citi Forward, but AMEX does not consider it one. Is this correct?
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)



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