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  1. #1
    Centurion Member
    Join Date
    Sep 2012
    Location
    Los Angeles, CA
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    349

    Exclamation Bad changes coming to US Bank Cash + Card

    As said here

    http://ficoforums.myfico.com/t5/Cred...h/td-p/1806571

    Effective either Feb 15 or quarter 2:
    A)Bill pay, home improvement, and airlines are being removed from the rewards. Being changed to book store, cell phone, and sporting store.
    B) You can only get 1 25 cash back bonus with a redemption of 100 per calender year.
    C) Quarterly cap of 2000 qualified spending.

    Too bad I never got a chance to abuse the rewards for their cards, but oh
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  2. #2
    Centurion Member
    Join Date
    Oct 2012
    Location
    California
    Posts
    259

    Default

    Is this confirmed (as in officially announced by US Bank) or speculation? I have a Cash+ and haven't heard anything. I would think they would notify all card members simultaneously? If its true, only the loss of bill pay bothers me terribly, and book stores could be interesting if it includes Amazon, straight up 5-6.25% Cash Back is better than 5 TY points on the forward or 3% on ARV for Amazon.
    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
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  3. #3
    Green Member
    Join Date
    Jan 2013
    Location
    Portage, MI
    Posts
    2

    Default Changes seem to be confirmed

    From the Frequent Miler Blog

    Changes coming in July:

    1. Only one $25 bonus gift card per year.
    2.Loss of Bill Pay, Home Improvement, and Airline as 5% categories. Sporting Goods, Book Stores, Cell Phone are the replacements. Might be interesting if Amazon.com counts as a bookstore.
    3. $2000 spend cap per quarter on 5% bonus categories. Additional spend is 1% back.

    Overall bad bad news. Makes it similar to other category cards. It will not be my everyday card anymore.
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  4. Gold Member
    Join Date
    Jan 2013
    Location
    texas
    Posts
    45

    Default

    If this is true my bills will most likely be moving back to Amex and Discover. This is all I currently use my Cash+ for.
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  5. #5
    Centurion Member
    Join Date
    Oct 2012
    Location
    NY
    Posts
    796

    Default

    Back to using gift cards to pay bills.
    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
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  6. #6
    Centurion Member
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    Jun 2011
    Location
    Down South
    Posts
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    Default

    It's confirmed. I spoke to someone over the phone this morning. The question now is, what do we do? I will have to add the cell phone category. What about rhapsody, Netflix, insurance, Hulu, etc.
    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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  7. #7
    Centurion Member
    Join Date
    Oct 2012
    Location
    California
    Posts
    259

    Default

    ^All but insurance of those services listed can be put on the citi forward. Losing insurance and utilities and being able to get them with all phone services with one option is a big hit, but I didn't spend enough for the cap on $25 bonuses to make a difference or the cap on quarterly spending.
    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
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  8. Centurion Member
    Join Date
    Oct 2012
    Location
    NY
    Posts
    796

    Default

    Quote Originally Posted by FutureBillionaire View Post
    It's confirmed. I spoke to someone over the phone this morning. The question now is, what do we do? I will have to add the cell phone category. What about rhapsody, Netflix, insurance, Hulu, etc.
    I plan on charging as much of my insurance as I can afford before the change hits. But after that, I'll be using gift cards again to get 4% cash back on bills.
    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
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  9. #9
    Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,587

    Default

    I guess I will move my other things back to the Citi Forward. Oh well. What a waste.
    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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  10. #10
    Centurion Member
    Join Date
    Oct 2012
    Location
    NY
    Posts
    796

    Default

    Quote Originally Posted by FutureBillionaire View Post
    I guess I will move my other things back to the Citi Forward. Oh well. What a waste.
    Yep. They should have just added a cap and left the categories alone. I guess it'll be my fast food/restaurant card now.
    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
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