2013 US Bank Sierra Trading Post Credit Card Worth Keeping?

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5 posts
dzwizard
 
Posts: 2
Joined: Wed Aug 14, 2013 12:56 pm
Location: US

2013 US Bank Sierra Trading Post Credit Card Worth Keeping?

Postby dzwizard » Wed Aug 14, 2013 1:10 pm

Hey guys, this seems like a sweet forum. I'm thinning out my wallet. Translation would be I am looking at cards to cut if they're no longer worth keeping. It's not worth the hassle of another monthly bill payment to keep track off unless the benefits are doing it for me.

That brings me to the Sierra Trading Post Visa from US Bank. The credit card is about 2 yrs old. info here.

It's more or less 1% on Visa spending and 3% when buying from Sierra Trading Post. The $2.95 shipping, I'm not sure how useful that still is because whenever I buy from them I search for coupon codes and see that one a lot so I guess you can get it even without the credit card. Sometimes i even see codes for free shipping which is even better that what the card gives.


hdees
 
Posts: 1
Joined: Fri Aug 16, 2013 7:09 pm
Location: TX

Postby hdees » Fri Aug 16, 2013 7:18 pm

I like Sierra Trading POst. Have you noticed their prices are cheaper most of the time. We may not have the indoor trout pond or fancy architecture at their store but you pay for that with higher prices at Cabelas and REI.

WIth most credit cards unless you use it, you won't have a monthly bill. They only send bills in the months your use the account. That would solve your dilemma of having another bill payment to deal with since you won't have to deal with if you are not using it regularly.

Do yo mind me asking what credit score you had when you got approved for the Sierra Trading Post credit card. I am in the opposite position of you as this is one I would like to move up to in ranks. Right now I am stuck with secured.

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

Postby RewardHop » Fri Aug 16, 2013 10:32 pm

Dont cancel it, try getting US Bank to convert you to a Cash+ card with categories you choose!
Categories available: https://cashplus.usbank.com/index.cfm/main/categories/demo/true

You get to pick a single 2% category, either Gas, Supermarkets, or Drug stores
You get to pick TWO 5% categories from Sporting Good Stores, Cell Phone, Bookstores, Department Stores, Restaurants, Electronic Stores, Hotels, Fast Food, Furniture Stores, Car Rental, Charity, and Movie Theaters.
1% cashback on everything else

It might also help if you post what cards you currently have so others can make more informed suggestions.
[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]

dzwizard
 
Posts: 2
Joined: Wed Aug 14, 2013 12:56 pm
Location: US

Postby dzwizard » Sun Aug 18, 2013 12:06 pm

Hey I checked that card out and that is a good idea! Though do you think US Bank will let me convert? I recall a while ago when my airline card was up for renewal after the first year I didn't want to pay the annual fee and when I asked Chase to convert it to something else, I was told it wasn't possible and I would have to cancel my SWA and re-apply for another if that was what I wanted to do. The reason given was because of how the partnerships work, Chase is not allowed to recruit a customer from the affinity card and convert them into one of their own branded cards. Do you think the credit card from Sierra Trading Post and US Bank have the same type of policy?

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

Postby RewardHop » Sun Aug 18, 2013 6:28 pm

I don't know but I think its a worth a shot (phone call)
[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]



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