Us bank credit card reddit. OP is asking about credit card rewards.
Us bank credit card reddit. Restaurants are probably the only places where you can't use Apple/Google Pay. I was completely expecting a denial with me being at 2/6, 2/12, and 3/24 after reading other data points. Did not apply since the card offers no rewards. The Altitude Go could be an excellent new option for those with no credit history, especially students about to do a semester abroad, as it's a Visa with no foreign transaction fees, and still earns 4% on dining and 2% on groceries, gas and streaming. Card: US Bank Select Rewards Visa Platinum card Credit Limit: over 14k Currently 0 balance Ive had this card for over 20 years. They are hyper-sensitive to volatility, so you need an incredibly clean profile in most Very happy with the setup I have right now. Users share their opinions and experiences on different US Bank credit cards, such as Altitude, Cash+, Shopper, and Platinum. Crypto. I applied for a credit card with US Bank and got the “7 to 10 business days” message; I called to check the status and was denied. No idea why us Bank so stingy. So this upcoming travel my car rental of 4 days will save me $35/day as I don’t need to buy their insurance or worry about having to use my personal insurance if US Bank is a solid bank and the fact they have a secured version of all their very good cards is awesome. 55/gal off). Also, what credit score is typically needed to get it, I’ve seen mixed answers. We have 3 US Bank Cash + cards and the Altitude Go card. There are so many CUs that (i) offer no credit card at all, (ii) offer only a no-rewards credit card, or (iii) offer a credit card that only pays an anemic <1. I will say as a US Bank Altitude Go user, if I could I would avoid US Bank. I have also heard they are real picky in approving applications. My payment is hold for 15 days. I hear US Bank is super tight with its lending requirements. 3 days ago · US Bank recently announced the US Bank Smartly Visa Signature Card, a new rewards credit card that offers up to 4% cash back on all purchases, if you have enough qualifying balances with them. Bank ExtendPay ® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. g. Altitude Go. I’ve had a US bank checking account since I was a kid, and this March I noticed an unexpected $8 credit to my account for “reversed fee: check printing”. I don’t have a relationship with US Bank, but they attributed it to applying to 2 other credit cards within the same year. I am planning on applying for the US bank altitude GO card. Before I got into credit game, I was a simple man with citi double cash as my only card. Accepted and received a $3000 limit, not bad atleast. Anyone has a good prediction on this or a recommended waiting time before applying? Thank you! I've been prepping for a US Bank card (opened checking account with them and not opening other credit cards to help chances) but I am wondering why and about to call it off. Even if it's compared to a card with standard 2%, the breakeven would be $2,375. Even knowing how conservative US Bank is, I decided to shoot my shot with the pre-approval since you can't do them online. 6k limit, 05/2019 Chase Freedom Flex, $2. -If you get any card from any bank prior to entering AD the fees will be waived during your AD tour. Got a pre-approval letter for the Cash plus visa signature today with a new card member bonus of $200 after $500 spend in 90 days. There’s a lot of denials for that card on this subreddit but it would be up to you to give it a shot. Please be aware, we’ll need some of your personal information to locate the application and check for updates. AT&T is implementing a policy where the prepay discount with a credit card is decreasing so I'll be using my checking ac A subreddit for discussing credit cards. I personally don't really care to open a new checking account just to butter them up, but I was thinking about throwing $3,000 in a CD for a year with them. That's a $950 difference just by doing it with credit cards over a personal loan. A Bank Smartly Savings account is a relationship savings account with competitive rates that grow as your balances grow. It seems like the US Bank Cash+ and Elan Max Cash Preferred both offer 5% CB on two selectable categories. All of my weekly spending can be done using tap to pay. Each Elan Max Card also has a $150 sub. It's currently under review, and she said that that's normal and usually takes 2-3 business days. It’s not touted enough but it is primary car rental coverage too. The Cash+ on the other hand can be a bit difficult to get since US Bank can be picky. I did have a prior relationship with them, in the past and I changed over to a credit union. With PSEG, I pay with Cash+ as long as the 5% is greater than the $3. All three of my FICO 8 scores are over 750 but my vantage scores are like 620 and 660 with no derogatory items, no missed payments, 13 years of credit history, multiple car loans, and three credit cards. Sure the limit is $1500 per quarter, but that is the normal 5% rotating quarter limits, which a lot of people are fine with. I was instant approved for $25,000 limit which is my second highest credit limit I've ever received. I think later after I am done with all Amex points, I will move back to this one card trick with only US Bank altitude reserve. 5 years, oldest account 10+ years. I opened an easy checking account with US bank last year. Nov 8, 2024 · If your credit card account is eligible for a U. 5%, restaurants at 4-5%, and the rest is negligible. Hello! I was recently looking for a credit card without Foreign Transaction Fees, and 0% APR intro. 20 Our credit-building cards let you spend just like you would with a traditional credit card. US bank likes their cardholders to be very established in both regards. The only reason I use the card is because 4X points back on dining is a huge plus for no annual fee. See the pros and cons of each card, the rewards, the benefits, and the customer service. 3k limit, 05/2022 Citi Custom Cash, $1k limit, 06/2022 US Bank Cash Plus, $500 limit, 07/2022 FICO Score: 734 (TransUnion and Experian) $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening. Hello! I’m looking to get into the US Bank credit cards. Keep in mind my profile starts from 93 and credit limits between different cards are 23k-100k 🤷🏻♂️ The bank/credit union doesn't even manage the card, it is all done by US Bank/Elan. It helps that this credit card also has a SUB. The only thing I dislike about USBank credit cards is the minimum $25 rewards redemption! I don't even mind doing it as a credit statement. I would wait until the 6 month mark, see if you an auto CLI, and if not, then ask for one. I am now using Amex trifeca and have US AR. Users share their experiences and tips on getting a US Bank credit card, such as the Cash+ card. Hello, I was wondering if anyone had knowledge as to if the Kroger credit card has some sort of 24/48 month rule on sign up bonuses. I'm considering getting a US bank credit card, perhaps the altitude reserve in the next few years, but I hear US bank is pretty stingy if you're not an existing customer. Income $107k I ask because I got an initial CL of 5k with my GO, 6 months later they doubled CL automatically. The monthly maintenance fee is $5 and is waived if an account owner is the owner of a qualifying product (Bank Smartly Checking account, Safe Debit account, or Bank Smartly Visa Card), or if one of the account owners is a minor (age 17 or younger). When the restaurant first opens, whoever sets up the credit card location code for that specific location is the person who determines what it’s going to show on your credit card statement. Vantage score is just weird man. I made a few late edits to my previous comment. 55/gallon off (currently using p2 $. However, I do believe the Elan gives you $50 less of a sign up bonus than it’s US Bank counterpart (150 vs 200). With US Bank, score is not necessarily the primary consideration. I spoke with a representative and was told I needed to fax a copy of my ID for identity verification, even if I have a bank account with them already! I just opened a checking account with US Bank and have been holding off on credit card applications for a few months in an effort to have as clean of application as possible. If I applied for a bump they'd accept I'm sure, but I didn't want to take the hit just to have a bigger credit limit on the card. Business age: Since 2010. Had a personal savings account open when I got the cards. I have looked at the US Bank Altitude Reserve Card, and it seems like a great card because I get 4. Bank Cash+™ Visa Signature. I had planned to use the recent Extend Pay program for a number of recent eligible purchases on my US Bank credit card. I plan on getting the attitude reserve in the future as it gives you 3% back on all mobile wallet charges which is unmatched. Near identical cards but the Elan is easier to get approved for. This is possible. Bank is known to issue Visa Signatures with credit limits as low as $500. The 2 options I have shortlisted are: US Bank Altitude Go and Wells Fargo Autograph. This is the newest entrant to relationship banking, where banks offers you extra perks for combining multiple account types with them like savings Lol, US Bank is pretty much gunning them down hard with this card. I have three inquries on Fico score 733 and 1 on Transunion. " A subreddit for discussing credit cards. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for US Bank is rather conservative in terms of approvals when you have high velocity (recently opened credit accounts). Applied for all three and only been rejected by BofA. Bank simply because you want/have their credit card. If your credit card account is eligible for a U. A few CUs certainly have strong offerings (e. They’re extremely risk-averse. Bank account relationship is defined as: Checking or Savings account, Certificate of Deposit, Mortgage, Home Equity Loan, Home Equity Line of Credit, Auto/Boat/RV Loan, Personal and Small Business Loans and Lines, Commercial Loan & Lease, Premier Lines, Private Banking account or U. Some cards may get you 5% on dining but there may be hoops or limits you have to follow. I would actually recommend the Elan Max Cash which is very similar to the US Bank Cash + (Elan and US Bank are affiliated). Got a $400 limit that they have never bumped up for me. With First Energy, I have it on auto-pay with the Cash+, so they don't charge a credit card surcharge. The last new card I got was a Amazon prime card in 2019 and I have an 820+ credit score so didn’t have any issues getting it. Having a credit card with them also gets you some waived fees with respect to bank accounts. Check out NerdWallet for tons of info Put $5000 on them and graduation to 5K plus credit cards, you can't do that with other cards. I’ve seen different stores of the same chain code differently at different locations, which makes a master list difficult. I just think that these type of people are just not using credit cards correctly in general and quatery credit cards have not much to do with it. You will never have to wait for an Amazon, Target, or Walmart quarter from your rotating cards with this card. 720 U. So I talked to a representative and they had me tell them my income again. the SUB is decent ($200 back on 1k spent first 4 months) I can choose two categories to get 5% cash back up to 2k each quarter. CT. That is what I am trying to say. Unfortunately also US Bank and the one I'm having issues with. Bank of America Unlimited Cash Rewards - 2. OP is asking about credit card rewards. Credit One X5 gives you 5% on gas and Internet. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for This was my first time ever applying for a US Bank credit card. I was confused until I received a letter from them explaining that they had done a review of my account and determined that in 2018 (!!!) they wrongly charged me a fee for ordering a A subreddit for discussing credit cards. I was wondering does anyone have any data points on getting US bank credit cards, either the Altitude Go or the Cash+ card. To contact us online, type usbank. My advice would be for you to apply for the numerous smaller banks and credit unions that offer the Elan Max card (a rebranded Cash+ card). No one is saying you can't buy $6,500 worth of gift cards, but to do so on a brand new credit card is likely to raise alerts. I called today and still got denied. "An automatic statement credit of $30 per 12-month period will be applied to your U. I think I'm already doing about as well as I can with what I consider to be the "basics" (try to have a good income, low rent, good history, good credit score, don't apply for too many credit products, wait a bit between applications). Hi all - So I'm trying to find a good cashback card for my utilities and cell phone bill (about $4,100 is spent on them in total a year). I use this for restaurants and for streaming service. . The US Bank Triple Cash card has an annual $100 software subscription credit for 11 consecutive monthly qualifying charges. Not the most optimized for cash back, but is decent enough. com serves over 100 million customers today, with the world’s fastest growing crypto app, along with the Crypto. , Affinity FCU), but most of the strongest CC offerings are from banks. I've been interested in US Bank Altitude Go card for unlimited 4% on dining & no foreign transaction fees. I have heard that US Bank is a great bank and has great credit cards. The US bank cash + is a pretty great because of the 5% on home Utilities which is one of the only cards that offer that. You cannot check your application status with U. Consider the possibility of using pre-tax dollars to pay for parking (assuming your parking is work-related and your employer offers a pre-tax program). 5% cash back on your first $2,000 in combined eligible purchases each quarter on two I currently hold Discover Cash Back, Amex Blue Cash, CSP, CSF and Chase Southwest credit cards. But I have been with US Bank for a while, GO was just my first credit card with them. 35 to bill a credit card so if it’s under $30 I just use a debit card, and Sunrun charges $5 for credit card so I also use debit card if it’s under $100 - 80% of the year this is not the case. Is the U. to 5 p. I know the card is also issued by US Bank. The Cash+ card from US Bank seems to be one of the hardest cards for approval, but recent reports from others are telling that even 2+/12 are getting approved. Recently been looking for a new credit card to add to my 3 credit cards. No previous US Bank customer history. Zero. I was directly targeted for a new US Bank business credit card which had a 0% intro rate for 15 months. I was surprised how strict they are. com Visa Card — the world’s most widely available crypto card, the Crypto. You can have a US Bank Cash+ card and as many Elan Max card as you are approved for from different smaller banks. Amex Preferred gives you 6% on groceries and streaming. I’d suggest looking up past discussions and data points. I saw that US Bank is offering a bonus for opening a checking account and getting a certain dollar amount in direct deposits in the first 60 days. Recently opened up a Cash+ card and received the dreaded $500 starting limit. Unsure about secured cards, but US Bank seems to care more than others about recent inquiries if they're within 6-12 months. Here are the stats: chase status : 6/24, 0/6, 4/12 FICO : 743 (experian) Banking history: Chase, PNC, Amex I did get the US Bank REI coop Mastercard last year so not sure if that counts in history or not. I have a CSP, Amex BCE, Citi something, and an Amazon prime card that just sits on my Amazon account, all with about $20k limits each. This US Bank Cash + card piqued my interest. I got approved for the Cash+ back in March, but they only gave me a $500 credit limit, which is the lowest I've ever had on any card in roughly thirteen years of having credit cards. Here are the US Bank numbers: US Bank: 800-947-1444, 800-685-7680 (Underwriting) I also received a $500 limit on my Cash+, but called underwriting and asked for $5000 and they gave it to me. It isn't good. I am looking for some general advice on how to potentially improve my chances of getting approved for US Bank credit cards. That’s insane. They are not known for being as quick to graduate or give CLI as Discover, but if you are using the card regularly and paying full and nothing else on your credit profile is a red flag you will get graduated eventually. But I’m honestly considering getting a lesser percentage cash back with something like the Capital One Savor because US Bank sucks with their app and entire experience. I want to get the altitude go and cash plus (and then the altitude reserve in the future) I’m currently 0/12 and haven’t gotten any cards in the last few years in general. Bank online, instead you must call them on (800) 947-1444 . I was leaning to upgrade to the Cash+ , Altitude GO or Altitude Connect. I was doing research to apply to a new card with better rewards since this old card doesn't offer much. I am approaching the 2 year mark of having the card and was wondering if I’d be able to close the card and reopen a new one to get another year of an extra $. I'm 820's fico 3/24, 0/12. Reach us at 800-947-1444; we're open Monday through Friday from 8 a. Useless helpless customer support. Nobody ever told me about their 7/12 and 3/12 rule: Bank of America will only approve new credit card applicants who have less than 7 new cards opened in the past 12 months, or less than just 3 new cards open in the past 12 months for someone who does not have a deposit account with the bank. After the checking a/c got past one year mark, got 3 mailers for cash+ cards. I want to make sure I hit the $200 SUB so I figured I would try to request a credit limit increase through the US Bank mobile app. Build credit for tomorrow. Not sure if it was US Bank or Quicksilver secured or some other card though. I do not think you have a good shot for any US Bank card being 2/6 and 2/3. S. We want to have a simple view of our finances, to us "less is more". Supposedly PNC bank offers it. There's all sorts of ways to get the monthly maintenance fees waived, but I noticed in the fine print that one way is by having an "eligible US Bank credit card. Just choose Electronics Stores as one of the 5% categories and buy Apple gift cards. Oldest credit card account age with you as primary name on the account: 9 years Number of personal credit cards approved for in the past 6 months: 0/6 Number of personal credit cards approved for in the past 12 months: 1/12 Number of personal credit cards approved for in the past 24 months: 5/24 Annual income $: 35k CATEGORIES My US Bank cash+ had an initial CL of $500 I called the customer service # and asked for a reconsideration to $1k, I have excellent credit my CC usage is 8% and my income is $150k+ I thought the $500 limit was a mistake, they said I could ask for an increase but it would be a hardpull, a week later I received my letter that my increase was approved. Bank Altitude Connect Visa Signature Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (open and able to use). Spouse does not need a SM AU. '22 and US Bank Cash + early Jan '23. Feb 4, 2016 · US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. com is the best place to buy, sell, and pay with crypto. The main difference is you’ll need to make a refundable security deposit from $300 to $5,000, to set your credit limit. 625% flat-rate cash back. I have a decent credit history of 6 years and good credit score. Hated the I use this card for gas, this card for groceries, this card for flights, this card for cloth shopping. Anything really would have been better. " I was approved for a US Bank cash+ but only got a $500 CL, most of my cards are 10-20k, I called the reconsideration line immediately and asked if that was a mistake, they said no but I could apply for an increase and it would be a hard pull, I did and they increased it to 10k. This is too low, called recon afterwards (see below). Length of history: Average is 4. It's possible US Bank thought this might be a situation like that. . They pulled TransUnion which had 0 enquiries and a credit score of 815. Data Point for a newly acquired US Bank Triple Cash Rewards Visa Business Card. I used two of those three and got two cash+ cards in the space of three months. We speaking about someone that thinks that earning 5% on a $200 item is better than waiting and saving $20 on the purchase plus at least 1% cashback. They mention factors like credit score, inquiries, new accounts, and banking relationship. Bank credit card. Related: How to choose a cash-back credit card. Wells Fargo Autograph: 3x on travel. 19 year old here, 3 credit cards opened in the 18 months. I’d much rather earn 2-5% cash back on entertainment purchases than get 1x rewards on chase or Amex, or 1x miles on my Citi card. I have 4 (PayPal Sept'22, US Bank Altitude Go Nov '22, Chase Freedom Unlimited Dec. Since you have 0 inquiries I would go for that first. I use this card for booking travel. That's a good way to avoid having to open a CC like I did, but I preferred having a Cash+ card to a having a useless brokerage account. m. My credit card also not working. US Bank is a complete scam and they are operating a new type of way to defraud credit card customers. The old rule of a $5,000 minimum credit line for Signatures is no longer enforced by Visa as a network rule (although some issuers, particularly credit unions, still have their own internal policies requiring a minimum $5,000 credit line for Visa Signatures). Never been rejected for a card. If you have questions A subreddit for discussing credit cards. my spending 99% Apple Pay so this card is huge for me. I've literally applied and gotten approved for an Elan MCP card for a state that I don't even live in. That's a great deal if it's your catch-all card and you use Apple Pay everywhere (which I try to do, but sometimes isn't feasible at places like Home Depot). Bank of America Preferred Rewards credit card setup is the best cash back setup if you have +$100k in assets invested at Merrill Lynch or Bank of America checking/savings account. Bank offering joint credit cards. 90% of your purchases will be 4. would be amazing with %5 back on Utilities. The automated system said it was declined. An eligible U. DoC reporting. I applied for US Bank with good credit and they approved me for a low amount. Yeah it’ll take longer to graduate and you probably won’t get a CLI upon graduation, but you’ll have a much better rewards card, and if it’s your first card, or you’re rebuilding, it’s I am currently looking for a new credit card, preferably a visa card so that i can use at costco. Bank Cash+ Visa Signature Card worth it? Choosing your bonus categories is a growing trend among credit cards. I saw that there is $500 cash back for Altitude connect and couldn't resist to apply for it as its been more than 8 months since i applied for a new credit card. But with a cap of $1,500 it'll basically never be profitable. In the case that you are, I'd definitely recommend continuing to use the Unlimited Cash Rewards card as a catch-all and the Customized Cash Rewards for your top category (groceries in this case), as having $100k in assets with BofA/Merrill gives you a 75% boost on cashback. A subreddit for discussing credit cards. I am looking for data points (both positive and negative) as to what counts or doesn't count toward this. The platinum credit card at US Bank is a barebones card, it’s meant to transfer balances from other cards at low or 0% interest rates. US bank altitude go: 4x points on dining, take out and delivery, $15 yearly streaming credit + 2x on streaming. Oct 28, 2024 · For additional options, check out our full list of the best cash back credit cards and the best no-annual-fee credit cards. It's not a great card if you have multiple cards, IMO. I thought Extend Pay was simply a new feature added to the card, similar to PayPal’s 6/12 month zero interest feature. Low credit lines, but they release back to the full line once you make a payment, even mid-cycle. I got it for the ability to use it for utilities, phone, cable, Internet. Either that or the 2K “credit limit approval” wasn’t enough for visa infinite. I'm looking for recommendations for joint credit card options out there. The company's mission is to maximize the value and utility of digital assets through our comprehensive product suite including advanced trading solutions, liquidity aggregation, tax-efficient asset-backed credit lines, a high-yield Earn Interest product, as well as the Nexo Platform and Nexo Wallet with their top-tier The most common use-case tends to be utilities, which is a category that is not well-covered by other cards. 95 credit card surchage which means any statement more than $79 is paid with the Cash+ The Rewards Management page of the USBank website is whacky; don't go by that. Right now I'm at 1/6 (1 inquiry in the last 6 months), and 2/12 (2 new cards in the last year) with 1 of those falling off in December and the other next April. There are minor category differences, but yeah. Amex BBC - May 2021, $15,000 CL (Ghost card due to being business card) US Bank Cash+ - July 202,1$5,000 CL US Bank Altitude Go - July 2021, $9,000 CL Citi Custom Cash - July 2021, $6,000 CL Chase Sapphire Preferred - July 2021, $8,400 CL -> PC to Freedom Flex and lowered CL to $3,000 US Bank Altitude Reserve - August 2022, $5,000 CL Credit score: 770s Inquiries: 2/6, 2/12, 4/24 Income: >$100k Length of credit: 3 years Current cards: Capital One Venture X, Fidelity Visa, Wells Fargo Propel, Discover IT, Barclays View, Apple Card (opened a couple weeks ago) Any input would be greatly appreciated! A subreddit for discussing credit cards. Right now US Bank hands out their Altitude Go & Cash+ as secured cards with a max deposit up to $5000 (Discover’s secured deposit max is $2500). I got this card as my first credit card (had never had any credit history before) after being a US Bank Student checking account customer for 2. Bank ExtendPay® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. 5% cashback. Kroger World gives you 5% on mobile wallet (up to $3,000 of purchases). Nexo is the world’s leading regulated digital assets institution. Bank only asks you for confidential information to verify your identity when you initiate contact with us. With US Bank, this means one of two things: You either don’t have many accounts (3 or less), or you have too many accounts that are under 1 year old. I applied for one in Oct 21 with 5 inquiries within 6 months and 6 within 12 and they denied me. Reason my credit line exposure with US Bank is enough. They pulled EQUIFAX, Credit score: 766. I think the only reason people hate US Bank is they hate people with more than 2 inquires (2/24) and also they would like you to have an account with them. 5% Amazon, I would need to spend $9500 to breakeven and profit from US Bank. Note also though that this checking offer does not require an existing relationship (just that they're known for denying new checking customers that are not geographically close to a branch, and being an existing customer in some other way seems to get around A good credit card with 3 or 5% cash back at stores like home Depot/lowes and 1% otherwise, let's say would average 2. We both have strong credit and don't ever run a balance on our cards. Now that the SUB of US Bank is $150 instead of $200, it makes a lot of sense for people to apply for the equivalent Elan card instead of gambling with US Bank's annoying requirements. The US Bank Cash + Is the one I have and I think it’s a niche card in terms of the ability to select your own categories. $15k Amex blue cash limit, $10,900 Apple Card limit, Amex gold no limit as it’s a charge card(but $2,750 limit for the pay over time feature), $35k limit on an authorized user Amex blue sky. You’ll need to give us a call to check on your credit card application. $95 AF with a $1500 cap. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. Even though I have existing available credit of 400 out of 500$ limit. Altitude Go gives you 4% on dining. I would personally get both but would go for the US bank first since US Bank is extremely sensitive to inquiries. I'm curious if anyone here has applied for a US Bank card at high velocity & no prior relationship, with a pre-approval. I got a max cash preferred (elan equivalent) many months ago and got a 25k limit. U. Both are zero fees, zero hassle credit cards with rewards in wide range of categories. Reply reply. Once I've got that, my understanding is that they waive account fees if you have a US Bank credit card, so I'll leave the account open and use it to redeem my rewards, and then transfer them to SoFi. com Exchange and Crypto. -Amex: waives all personal card fees for SM and spouse under MLA if card is acquired after Oct 2017. There is a term called a 'bust-out' for people who apply for credit cards then max them out without any intent of paying. It’s just a bullshit scoring system. CUs as a group The better card is the US Bank Cash+ which offers 5% on up to $2000 per quarter which comes out to $400 annually. Already have too many cards, but considering a US Bank Korean Card since family will be going there at least 1x a year. com DeFi Wallet. 4% unlimited on Dining and $15 streaming credit annually. To contact us by phone, dial one of the toll-free or local numbers listed online or in your account statement. My business was recently targeted in a credit card scam conducted by US Bank. Current cards Discover It Chrome, $2. The applications sub forum has "backdoor" numbers for each bank. 5% cash back, on $10k and a $200 intro bonus, would net $450 in cash back vs paying $500 in interest. Unfortunately it's US Bank. I used to carry around 3 cards… the Citi Costco card (4% gas, 3% restaurants, 2% Costco) and then the PayPal MC (2% catch all) and the discover card for 5% rotating categories… recently moved to 2 cards as my priorities shifted to wanting to travel more. It seems like having a relationship with US Bank prior to applying for a credit card with them helps significantly in getting approved (and maybe even to getting a higher CL), and it seems like you can't have any new credit card accounts within 6 months and, at max, you could have up to one new account within 12 months (0/6 - 1/12 max). I had to reduce my credit limit on one of my other US Bank cards then they approved me for the reserve. If I use Amazon Card, I get 5% cash back and according to the math with the comparison of 6% US Bank vs. I heard US Bank is a bit more strict with approvals so I wonder if I should apply. BUT! US Bank is infamously known for being ultrasensitive, conservative limits, prehistoric user interface, cash bank limited to statement credit as other methods are useless, a few DPs states US Bank have been known to close accounts when you open multiple accounts, & generally US Bank I applied maybe 10ish days ago. I carry no credit card debt and always pay on time. US Bank has some great cards though. I decided to submit the application, as my mortgage loan hasn't been reported yet. 5% on all mobile wallet purchases and travel as credit towards my flights. I opted to apply for Citi Diamond with 0% for 18 months. Always I call they gave wrong answer. I have no prior relationship with US Bank, and was sitting at 3/12 and 6/24. I am aware of U. I'm asking for any tips to increase my chances of getting approved. I also can't pay my rent or utilities with a credit card. US Bank Altitude Go: 4% on Dining US Bank Cash+: 5% on Streaming (includes my internet bill), 5% on my phone bill 6 cards (really only have to physically carry 4), 2 ecosystems. After thinking about the Cash + card for quite a while, I decided to just go for it. 5 years. If yes, can I use 4 categories as opposed to 2? I was initially rejected, called recon was told it was because I had to much credit with US Bank on my other two US Bank cards. They have loosened up lately and will sometimes allow 1/6, but 2/6 is a long shot and having them be within the last 60 days really makes it unlikely. All of the following info pertains to cards acquired after entering AD. Also, yes, it covers utilities but bear in mind that many utility companies charge a fee to pay by credit card. That said, there is no need to have a bank account with U. A year later I got the Reserve with a 15k limit. PG&E charges $1. Sofi Credit Card: 3 percent back on everything for the first year, 2 percent back on everything after that. I get Priority Pass through 5 cards right now, so I value the Altitude Reserve at a $75 effective annual fee. Credit score: FICO 780, no new cards in past 6 months but two hard pulls for mortgage. Yeah, with that coding it seems very unlikely it'd fall under Ground Transportation for the Cash+. com on your Internet browser. I was looking at the US Bank Cash+ visa signature card which gives you 5% cash back for two categories (very specific categories, none of which i believe costco would fit in to). Wont be applying for any more cards for 6 months to preserve credit score. The primary thing you would be concern about when picking Elan MCP would be to find a bank/credit union that has the least ugly design. I'm currently thinking of applying for a no annual fee, no foreign transaction fee, all rounder rewards credit card. Kohls Card 3/23 1500 Target Red Card 7/23 3500 Synchrony Harbor Freight 6/23 3500 Synchrony Discount Tire Card 8/23 1000 I also have 12 inquires from multiple loan applications, that had to be resubmitted, ive had 4 inquires in the last 6 months. Business Revenue: $2000. My friend applied last year and got rejected cause of a 1/12 rule. There is a $400 AF, but there is $325 in dining/travel credits. Based on your post I'm assuming you're not holding $100k of assets with Bank of America/Merrill Lynch. Then called to check on the application after 3 days. But right now I'm going for the bonus on the new checking account, and then I'm going to get the Cash+ card. With your income, (understanding its variable), I'd look at the US Bank Altitude Reserve and pair it with an Altitude Go or Citi Custom Cash. Yes, having a credit card with them qualifies you to open a bank account with them, even if you are outside of their banking footprint. I already have Amex Gold (Dining and grocery shopping + MR rebates) + BofA Premier Cash Rewards (Platinum banker) + Citi Costco ( too lazy to carry Costco card and Costco gas) as daily drivers. 6 months later got two mailers for US Bank platinum cards. Worst bank is us bank App showing card with negative balance and available credit with 400 but card is not working for even 1$ purchase. I received an instant denial. I got 2 US Bank business cards about 4 months apart. they have one 2% category which grocery stores is one of the options and then 1% cashback on everything else. Applied in Jan 22 and got approved for a $600 limit lol. pfdlks quoxk lck txgfa rbbk rjpgmyi treh acvg kbb bauxg