- Centurion Member
- Posts: 1589
- Joined: Sun Jun 19, 2011 2:37 pm
- Location: Down South
MemberSince99 wrote:In my opinion, the rewards program isn't THAT great. You can pick ONE of gas or groceries for 2%, and two 5% categories the most useful for most of us in that would be bill payment, and after that it depends on your life but I guarantee you MOST of what you buy will be at the 1% level if you use it daily. In practical terms my Associated Bank card offers 3% on gas and groceries and 1% on everything else, so for me, in terms of $$$ that beats the Cash + for what I do. But it's not just the rewards I care about so I've been using the Cash + as THE go-to card. I just really doubt US Bank is going to be in trouble with giving so much in rewards. To be honest they are good but they aren't what some have cracked them up to be. Now IF you could put ANY of the categories in the 5% and 2% buckets, THEN it would be. But you can't.
Where you can do better is if you cash in with an amount of 100 dollars they add 25 dollars. And if you have a checking account with them, they also give you .25% more I believe. Still, if most of what you get is 1%, well Cap One offers a 1.5% on everything card so, I don't figure US Bank will be going broke anytime soon.
It really is a great card, but don't think it's the ultimate rewards card it isn't. It's just a really good one.
This is one of the best cards in my wallet. The fact that you can get 5% on any bills is HUGE. Bills are the biggest chunk of spending for me, then gas. I think it is wise to get a collection of cards that gives you 5% or more on all of your expenditures. In addition, this card gives you good bang for your buck if it's your only card. Bill Pay, restaurants, gas, and groceries should cover 80% of a person's pending with 2% or greater rewards. I don't think any other card is that versatile, although AMEX BCP comes close with the gift card loophole at certain grocery stores.
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