*WATCH ME APPLY* U.S. Bank Cash Plus credit card application (U.S. Bank Cash+ Visa Signature)
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🎬 VIDEO: U.S. Bank Cash Plus card review: https://youtu.be/n18rkWyscSw
MINI REVIEW: U.S. BANK CASH PLUS CARD
WELCOME BONUS (Apr. 2021)
Earn $150 cash back when you spend $500 in the first 90 days of card membership. Plus receive a 0% APR period on balance transfer for the first 12 months, then a 13.99% – 23.99% variable APR after that.
ANNUAL FEE = $0
EARN CASH BACK
– 5% Choice Categories: Choose 2 Choice Categories | Up to $2,000 in combined spend each quarter | Enroll each quarter
– 2% Everyday Category: Choose 1 Everyday Category | No limit / cap
– 1% Other Purchases
REDEEM CASH BACK
– Statement Credit: Min. redemption requirement = $25.00 starting June 01, 2021
– Deposit to U.S. Bank Checking, Savings, or Money Market Account: Min. redemption requirement = $25.00 starting June 01, 2021
– U.S. Bank Visa Rewards Card: Min. redemption requirement = $25.00
– Real-Time Rewards: Min. redemption requirement = $10.00
MY CREDIT REPORT BEFORE APPLYING
SCORES
– Experian: 785
– TransUnion: 810
– Equifax: 822
INQUIRIES
Experian: 15
– TransUnion: 4
– Equifax: 1
NEW ACCOUNTS
– In the past 12 months: 2
– In the past 24 months: 7
AVERAGE AGE OF ACCOUNTS / AVERAGE LENGTH OF CREDIT HISTORY
– 3 years, 6 months
PRIOR RELATIONSHIP
I had the following accounts with U.S. Bank prior to applying:
– Personal checking account
– Personal savings account
– Personal credit card (U.S. Bank Altitude Reserve)
– Business credit card (U.S. Bank Business Leverage)
MY CREDIT REPORT AFTER APPLYING
– My Experian credit score dropped 4 points, from 785 to 781
– My Inquiry count increased from 15 to 16 on Experian
– My credit scores & inquiry counts on the other bureau reports remained the same as U.S. Bank only pulled Experian for this credit card application.
– There were no changes to my New Accounts status or Average Age of Accounts status. Those will only be affected once the new U.S. Bank Cash+ card gets reported, likely several weeks later.
WHY I CHOSE THIS CARD
1. 5% CASH BACK ON UNIQUE CHOICE CATEGORIES
Earn a high % cash back in categories that my other cards don’t cover: Gyms/Fitness Centers + Home Utilities
2. WELCOME BONUS
$150 cash back with $500 spend requirement = 30% return
3. NO ANNUAL FEE
Every dollar earned = pure profit!
4. LONG-TERM KEEPER CARD
5% rewards with $0 cost = WINNER
Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
#creditcardapplication #usbank #cashbackcreditcard
