Difference between revisions of "Us bank credit cards"
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=== Other Personal Cards=== | === Other Personal Cards=== | ||
Revision as of 18:37, 4 June 2020
- U.S. Bank operates its own reward program called FlexPerks, which earns points that can be redeemed for travel. For the time being, the Altitude Reserve (their premium credit card), earns "Altitude Points". Altitude points can be converted 1:1 into FlexPerks, and the programs may merge in the future.
- There are no limits to earning signup bonuses multiple times. If you get approved, you'll earn the signup bonus.
- It can be difficult to get approved for cards. They are sensitive to the number of recent inquiries. Odds are better if you are one of their banking customers.
- U.S. Bank typically offers referral bonuses. There is no single place to check, try to doing a websearch with the name of the card, and the word "referral".
- You can downgrade your cards within the same family. For example, you can convert one FlexPerks card into another, but you can't convert one of their airline cards into a FlexPerks card.
- Advanced details. Before applying for their credit cards, Doctor of Credit suggests you freeze your SageStream and ARS credit reports. U.S. Bank reports your credit utilization on the 1st of the month, not on your statement date.
Points are worth 1.5 cents and can be redeemed through U.S. Bank's Travel Portal. For the non-Amex cards, you can also activate a feature that allows you to redeem your points as credits against travel purchases made elsewhere.
If you need to talk to a representative, you can take advantage of myFico.com's list of backdoor phone numbers. These, often unpublished, phone numbers will get you directly to more experienced credit card company employees that may be better able to provide assistance.
U.S. Bank branded cards
Other Interesting U.S. Bank Cards
Other Personal Cards
In addition to the cards above, which may want to get for various reasons, U.S. Bank offers a few additional credit cards.
- U.S. Bank Platinum card No rewards or benefits, but it will provide free cell phone protection, if you use it to pay your cell phone bill. There are better options for getting cell phone coverage. No signup bonus, no annual fee. Official Webpage
- Cash 365 card Earns 2% back during the first year, and 1.5% back after that. There are better options. No signup bonus, no annual fee. Official Webpage
- Ace Rewards card [ Official Webpage]
- Gymboree card 5% discount on Gymboree clothing purchases. 25% on your first purchase, plus $10 when you first get the card. Access to additional special offers. No annual fee. Official Webpage
- Harley-Davidson card 3% off purchases from Harley dealers, redeemable for Harley gift cards. No annual fee. Official Webpage
- Polaris card. Earns 2% at Polaris dealers and on gas, and 1% everywhere else. No annual fee. Official Webpage
- REI card 5% back on REI purchases, and a $100 gift card upon first purchase. Official Webpage