Category Archives: US Bank

Big Changes Coming for US Bank Cash+ Visa?

US Bank Cash Plus Credit CardFor a while now, there have been rumors swirling about that US Bank would be tweaking the benefits for its excellent Cash+ Visa Signature card. And honestly, given how lucrative the program currently is, it would be surprising if US Bank let it continue on in its current form forever. Particularly with all of the prepaid card churners that the Cash+ card has attracted, the program can’t be sustainable as it is.
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US Bank No Fee Balance Transfer Offers are Back

Just when you thought they were going the way of the dodo, more no fee balance transfers offers have reappeared. Thanks to FW for spotting these recent finds from US Bank/Elan.

Personal cards with 0% APR on purchases and balance transfers for 12 months:

Business cards with 0% on purchases and balance transfers for 6 months:

According to the terms of these cards, in order to qualify for the no fee offer, balance transfers must be performed at the time of the application.

US Bank: 0% Balance Transfer for 12 Months, No Fees

A few months or so ago, US Bank took down its 0% offer on balance transfers for 12 months with no fees on its Baylor Alumni Association credit card, replacing it with a 3% uncapped balance transfer fee.

A few FW members now report that it is still possible to get a no fee balance transfer promo code with the following steps:

To receive 0% for 12 months with no fee, please use promotional code 45248.

You have two options on the website to find the request form for a balance transfer:

From the “Customer Service” Link at the top of the usbank.com homepage:

1. Scroll down to “Credit Card and Premier Line Account Options.”
2. Click on “Manage Your Credit Card or Premier Line Account.”
3. Choose the appropriate drop-down box for your credit card product (i.e., U.S. Bank, Gymboree Visa, Harley-Davidson Visa, REI Visa, SKYPASS Visa, or WorldPerks Visa).
4. Select Balance Transfer.
5. Click Next.

OR…

When logged into Internet Banking:

1. Click on the “Customer Service Center” link in the left navigation bar.
2. Scroll down to “Credit Card and Premier Line Account Options.”
3. Click on “Manage Your Credit Card or Premier Line Account.”
4. Choose the appropriate drop-down box for your credit card product (i.e., U.S. Bank, Gymboree Visa, Harley-Davidson Visa, REI Visa, SKYPASS Visa, or WorldPerks Visa).
5. Select Balance Transfer
6. Click Next.

To avoid any unnecessary late fees, please be sure to continue to make your regular minimum payment to your other account until you see that the balance transfer has been processed.

It also appears that the fees may be somewhat negotiable, if for example, you applied for a no-fee offer that has already expired. So it seems worthwhile to talk to a customer service rep about this possibility if you are in the market for a US Bank card.

US Bank Check Card: Triple Cash Back Bonus Online

US Bank has its own exclusive holiday shopping offer for holders of its Cash Bonus Visa Check Card. For a limited time, when you use your U.S. Bank Cash Bonus Visa Check Card to make purchases with select online partners through their Cash Bonus Partner Center, you can triple your cash back.

Details of this offer can be found here. Nearly all of their normal partners are participating which means there are some deals to be had. Some examples:

  • BananaRepublic.com: 15% cash back
  • Barnes&Noble.com: 12% cash back
  • BestBuy.com: 6% cash back
  • BlueNile.com: 15% cash back
  • CompUSA.com: 9% cash back
  • eBay.com: 6% cash back
  • Kohls.com: 12% cash back
  • MyInks.com: 75% cash back
  • NeimanMarcus.com: 12% cash back
  • Overstock.com: 15% cash back
  • PETCO.com, Petsmart.com: 21% cash back
  • Target.com: 9% cash back
  • toysrus.com, babiesrus.com: 9% cash back
  • Wal-Mart.com: 12% cash back

See the complete list of participating retailers here. (Via SD)