US Bank CC: What's your take?

[APoshiterYid]

US Bank Credit card Choose your own two 5% cash back categories (even for airticket!)
From what I was told, you'll get a list each quarter to choose from for the 5%.
Can switch between the 2% categories quarterly as well.

Apply through their facebook page and get $50 signup bonus: https://www.facebook.com/usbankcashplus
Categories available: https://cashplus.usbank.com/index.cfm/main/categories/demo/true

Finally a card that’s all cash that you control. The U.S. Bank Cash+ Visa Signature card lets you choose and change your 5% and 2% Cash+ Categories, plus you get 1% back on everything else - with no limit on how much you can earn.
Earn 5% cash back on two categories that you choose, like home improvement stores or airline tickets.1, 2
Earn 2% cash back on gas, groceries or drug stores – choose one.1, 2
Earn 1% cash back on everything else.
Get a $25 Cash+ Bonus each time you redeem $100 or more cash back in a single redemption.3
No Annual Fee

HT: our deal friend @fueldude

[HelpMe]

Need to read the fine print but looks like another card I will be adding.

[Drago]

Wow, is there no time limit on these 5% categories?
Sounds like a sweet deal, especially since it's from a smaller issuer.

[HelpMe]

Wow, is there no time limit on these 5% categories?
Sounds like a sweet deal, especially since it's from a smaller issuer.

My exact thoughts. Need to find out about the 25 bonus also. This could be a 6.25% card. Let the good times roll. I see another new car in my future!!! 

[meshugener]

@HelpMe its about time you share your tricks how you take advantage of these CashBack cards.
How do you roll over in the 6 digits? (if you do).

[HelpMe]

@HelpMe its about time you share your tricks how you take advantage of these CashBack cards.
How do you roll over in the 6 digits? (if you do).

You of all people should know I am just messing around.

[txtmax4]

Need to read the fine print but looks like another card I will be adding.

You read through the whole thing I'm sure..

[HelpMe]

You read through the whole thing I'm sure..

Sometimes you don't get the rewards T&C's until you get the card.

[gozalim]

additional pros:Experian® Credit Score – Internet Banking customers receive their Experian credit score at no cost.
cons:25% "Cash+" Bonus is in the form of a U.S. Bank Rewards Card.

the real trick will be, figuring out which category can include a CL churning method (AP, GCs, Square, etc.)

[AJK]

additional pros:Experian® Credit Score – Internet Banking customers receive their Experian credit score at no cost.
cons:25% "Cash+" Bonus is in the form of a U.S. Bank Rewards Card.

the real trick will be, figuring out which category can include a CL churning method (AP, GCs, Square, etc.)

May or may not be FICO.

I'll gladly take a $25 GC instead of nothing.

[HelpMe]

May or may not be FICO.

"Your Experian Credit Score is based on the Plus Score model and is for educational purposes and is not the score used by lenders."

[AJK]

"Your Experian Credit Score is based on the Plus Score model and is for educational purposes and is not the score used by lenders."

...and there we have it.

Figured.

[APoshiterYid]

the real trick will be, figuring out which category can include a CL churning method (AP, GCs, Square, etc.)

One of the 2% categories is "Bill Pay"...

[Drago]

One of the 2% categories is "Bill Pay"...

Anyone willing to call them and ask them?

[AsherO]

One of the 2% categories is "Bill Pay"...

Wouldn't that mean utilities etc. or is that a separate category?

ETA:

Yup, look at the details for that one:

Bill Payment: 5%
Examples include service providers like Comcast, DIRECTV, AT&T and State Farm insurance.

Get cash back every month when you set up automatic bill payments for phone, internet, cable/satellite TV, utilities, and insurance.

The entities listed above are merely examples of the type of companies and merchants that fall within each particular category. U.S. Bank, its parent, and affiliated corporations are not affiliated, connected, or associated with these entities, nor are its products and services endorsed by these entities

[HelpMe]

Anyone willing to call them and ask them?

Going to be a trial and error to see how to maximize this. Need to see the full billpay list for automatic payments.

[lcyitz]

would gift cards @ some of the 5% places be a money maker?

[AsherO]

Going to be a trial and error to see how to maximize this. Need to see the full billpay list for automatic payments.

They probably don't publish a list, it works by merchant category, and I don't even think they'll give you a list of those.

[HelpMe]

would gift cards @ some of the 5% places be a money maker?

Hello, anybody home! 

[HelpMe]

They probably don't publish a list, it works by merchant category, and I don't even think they'll give you a list of those.

Going to convert my card Monday and hopefully I will have more info.