I’m gonna talk to you about US Bank Credit Card. As a matter of fact, I own this cashback credit card and I believe that this is one of the most underrated 5% cashback credit cards out there.
Okay, so U.S.bank actually has quite a bit of credit cards from which to choose. If you’re interested in getting a credit card from U.S.bank I would encourage you to go to the website and fill out the pre-qualification specification and see if you are pre-qualified to get a credit card from a US bank.
US Bank Cash Plus Credit Card
That’s what I did before I applied for us bank cash plus credit card. And I would advise you to do the same thing because you don’t just want to submit an application if there’s a pre-qualification that you can fill that out and if you’re pre-qualified you can know and if you’re not then you may you don’t want to reconsider applying for a US Bank Credit Card.
Okay, so I actually did an application process for this particular credit card the u.s. bank cash plus card.
However, US Bank has a reputation for being a hard credit card to get. So in case, you apply for the card and you don’t get approved for it they do have a reconsideration line that I would encourage you to call.
They’re pretty helpful at least that is what I’ve experienced before I applied for the US Bank Credit Card I called and spoke with them and I also was thinking about getting a secured card with a US bank because I didn’t want to be rejected. And they’re the ones that told me hey you can go ahead and fill out the pre-qualification and see if you’re qualified to get a US Bank Credit Card and kind of work from there.
And they were like well if you don’t get the card definitely give us a call and we’ll see what we can do as far as working with you to get you approved for a US bank credit card.
Benefits of US Bank Cash Plus Credit Card
There are three benefits of us bank cash plus credit card.
- The first benefit that has no annual fee
- The minimum spend is $500in order to get $200 dollars in cash back.
- You’re able to get 5%cash back and one category where you’re able to get 2% cashback and then of course you get 1% on everything else.
I chose to get 5% cashback on utilities (US Bank Credit Card) and my cell phone. And then I chose to get 2% cashback on groceries or gas I’m not sure which one it is I have so many credit cards but I don’t really worry about the 2% aspect of this particular credit card.
I totally utilize this credit card us cash plus credit card to get 5% back on like I said my utilities and my cell phone bill. So that’s actually cool that unlike a lot of 5% cashback credit cards that are out there that give you the ability this one does to give you the ability to choose the categories that you’d like to get 5% cashback.US Bank Credit Card
And there is quite a bit of category from which to choose. So once again that’s another thing that attracted me to apply for the US bank cash plus credit card was the fact that I was able to choose two categories that I can get 5% cashback on in one category where I can get 2% cashback on.
The first thing you want to do is you want to select credit cards at the top of the page and then you want to go ahead and scroll down to where it says see if you’re pre-qualified. So you’d want to click on that and then it’s going to bring up this page right here.
You’re gonna enter your information (US Bank Credit Card) and once you’re finished doing that you’re gonna scroll all the way down and click find my offers. So you definitely want to make sure you fill out this information here so that you can know if you’re pre-qualified for any US Bank Credit Card has to offer.
That way you’re not applying in the dark and you know you can kind of take the guesswork out of it in regards to what your odds are in regards to getting approved for a credit card from a US bank.
You definitely want to make sure that you fill out that pre-qualification so that you know.
You can choose three categories where you can earn cashback. Basically, you can get 2% cashback on the three categories
- Gas Stations
- Grocery Stores
You can choose two (US Bank Credit Card) categories that you can get 5% cashback. So how this works is basically in the 2% section you would select let’s say you want to get gas and let’s say you want to get cashback on let’s say gas stations.
So click on gas stations and then of course you see gas stations in the 2% category. Now in regards to the two sections where you get 5% back, you have quite a bit from which to choose.
So you have home utilities, ground transportation, select clothing stores, cellphone providers, electronic stores, car rental gym fitness centers, fast-food, sporting goods stores, department stores, furniture stores, movie theaters.
So just real quickly I’m gonna click on select clothing stores so that you can kind of see some of the clothing stores that you can earn 5% cashback on. So ok this list is not it’s not a lot but for me personally, I probably go to Express, I’d to Gap,
I would go to Old Navy that probably pretty much it for me. But there’s you know quite a bit from which to choose as far as clothing store is concerned.
So basically when you’re ready to choose your 5 percent cash back category (US Bank Credit Card) you just double click. So for me personally I have home utilities and I also have a cell phone. So that’s kind of what I have at the moment don’t ask me why that’s kind of weird I probably should consider changing that because Christmas is coming and I’m gonna be buying some stuff.
So once you’re done doing that you basically are good to go if you’re signed in, you’ll be prompted to kind of finalize this. I’m not signed in so that’s why I’m not prompted to finalize I don’t want to mess with it.
So basically I just want to tell you (US Bank Credit Card) you guys really quickly the categories from which to choose in regards to getting 5% cashback on 2%cash back on and of course all other purchases you’ll get 1% cashback.
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