US Bank Credit Card Honest Review

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US Bank Credit Card

Okay so maybe you’re interested in getting a US bank credit card. Duane here with how to build credit TV. And in this video I’m gonna talk to you about the us bank cash plus credit card. As a matter of fact I own this credit card and I believe that this is one of the most underrated 5% cash back credit cards out there. So that’s we’re going to talk about in this particular video the US bank cast plus credit card. But before we get started I have a quick message. Once again my name is Duane with how to build credit TV and on this channel we talk about everything you need to know about credit, credit cards and how to make money using credit cards. As a matter of fact I was able to make over $1,700 using one credit card.

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 your pre-qualified to get a credit card from us bank.

That’s what I did before I applied for the 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 credit card from u.s. bank. Okay so I actually did an application process for this particular credit card the u.s. bank cash plus card and I’ll go ahead and link it at the top right of this video so you can check that out if you’d like. However US Bank has a reputation of 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’s what I’ve experienced before I applied for the card I called and spoke with them and I also was thinking about getting a secured card with 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 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. Okay so there are three reasons why I was drawn to the us bank cash plus credit card. The first reason that I was drawn to the credit card is the fact that there is no annual fee and I’m in love with credit cards that have no annual fee so that was the very first reason.

The second reason I was drawn to the us bank cash plus credit card was the fact that it was easy to meet the minimum spend which is $500 in order to get 150 dollars cash back. That’s super easy to do and the third and final reason why I was attracted to the US bank cash plus credit card was the fact that they have 5% cash back. But you’re actually able to choose two categories where you’re able to get 5% cash back and one category where you’re able to get 2% cash back and then of course you get 1% on everything else. So for me personally I chose to get 5% cash back on utilities and my cell phone. And then I chose to get 2% cash back 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 the 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’s unlike a lot of 5% cash back credit cards that that’s 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% cash back. And there are quite a bit of categories 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% cash back on in one category where I can get 2% cash back on. So that’s why I applied for this particular credit card from us bank. What I’m gonna do right now is I’m gonna jump to the website real quickly just to have a look at the website with you guys and kind of give you more information about the us bank cash plus credit card.

So I’ll see you over my laptop. Okay so we’re at the US Bank website to have a look at what you should do if you’re considering getting a credit card from us bank. So 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 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 credit cards that US Bank 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 in regards to getting approved for a credit card from us bank.

So that’s pretty much what I want to show you. You definitely want to make sure that you fill out that pre-qualification so that you know. The next thing I want to show you is regarding the u.s. bank cash plus credit card. So you can choose three categories that you can earn cashback. Basically you can get two percent cashback on the three categories over here to the left where you see gas stations, restaurants and grocery stores. And then of course you can choose two categories that you can get 5% cash back. So how this works is basically in the two percent section you would select let’s say you want to get gas and let’s say you want to get cash back on let’s say gas stations. So I click on gas stations and then of course you see gas stations appear here in the two percent category. Now in regards to the two sections where you get five percent 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 rentals 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% cash back on. So ok this list is not it’s not a lot but for me personally I probably go to Express, I’d go to Gap, I would go to Old Navy that’s 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 let me go ahead and go back and this time let me click on electronics stores. Okay let’s see click on that and see what stores you can choose ok now this is a lot longer list it’s a better looking list. So it says Apple store some of you guys may be interested in that I’m an apple freak. Best Buy, Best Buy is always good there’s Fry’s for me where I’m located. So as you can see here there’s quite a bit from which to choose. There are also websites on here.

I’m not even sure if RadioShack still exists I don’t have any RadioShack store I am located but it’s on here. So there’s quite a bit from which to choose in regards – electronic stores. So basically when you’re ready to choose your 5 percent cash back category you just double click. So for me personally I have home utilities and I also have 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 show you guys real quickly the categories from which to choose in regards to getting 5% cash back on 2% cash back on and of course all other purchases you’ll get 1% cash back. So thank you for watching this portion of the video I’ll see you back in just one second.

Thank you so much for reading this article about the us bank cash plus credit card. If you like the article please be sure to thumbs up it helps our blog quite a bit. If you have any questions leave them in the comments below the article and I’ll do my best to answer it as soon as I see it. If you liked the article and you want to share this article with somebody that may find it helpful please feel free to do so as well. If you haven’t share to the world consider subscribing to the article because on this artciel we talk about everything you need to know about credit, credit cards and how to make money using credit cards. So if this sounds like something which you’re interested be sure to bookmarks to the web and click the share button so you don’t miss a thing.

I’ll see you in the next artticle. Until next time take care and be blessed. Peace!.

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