Tag Archives: FlexPerks

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Which 10 Credit Cards am I Considering for my March App-O-Rama?

Good morning everyone, happy Thursday.  My last App-O-Rama (where I applied for several new credit cards at the same time) was back in mid December 2016.  I usually wait 3+ months between App-O-Ramas, so the time has come to start my next round of credit card applications.  I am going to list the credit cards I have in mind in the order in which I will probably apply for them.  If you have any feedback on my strategy or think I am missing or applying for the wrong credit cards, please leave a comment below. Without further ado, let’s begin…

1. American Express SPG Business Credit Card – 25,000 SPG points after spending $5,000 in 90 days and an additional 10,000 SPG points after spending $3,000 in 120 days.  No annual fee the first year, then $95 in the second year.

With the impending merger with Marriott, this might be my last opportunity to apply for the SPG business credit card.  I can’t pass up this opportunity. 35,000 SPG points are worth ~$700 in hotel nights and airfare (and possibly much more).

2. Bank of America MERRILL+ Credit Card – 50,000 points after spending $3,000 in 90 days.  No annual fee.

Doctor of Credit reports that you can apply for this credit card over the phone.  50,000 points is worth $500 cash or up to $1,000 toward airfare. Continue reading

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US Bank FlexPerks Travel Rewards Visa Signature & American Express Downgrade / Conversion Options

Good morning everyone, happy Friday!  I am flying to Phoenix this weekend to watch some Spring Training baseball games, go to a Phoenix Suns basketball game, and maybe catch a Phoenix Coyotes hockey game – lots of sports in my future!

In credit card related news, both my US Bank FlexPerks Travel Rewards Visa Signature Credit Card and US Bank FlexPerks Travel Rewards American Express Credit Card had $49 annual fees that just posted.  I got both credit cards during various Summer / Winter Olympic promos and have since spent down the majority of my FlexPoints.  The only reason to keep the FlexPerks Visa Signature card is for 3x at charity (making Kiva loans) or 2x at gas stations and grocery stores.  You do get 10 Gogo Wifi Passes every cardmember year, but I seem to earn them faster than I can redeem them (plus the American Express Business Platinum Charge Card gave me 10 free Gogo Wifi Passes that I have yet to use either).  As for the FlexPerks American Express card (no longer offered – it has since been replaced by the US Bank FlexPerks Gold American Express Credit Card), I really never use that card either.

Long story short, both credit cards had annual fees that posted and I wanted to downgrade / convert to credit cards with no annual fees.  Here is my journey calling US Bank and figuring out which credit cards you can downgrade / convert to.  The obvious choice is the US Bank FlexPerks Select Plus American Express Credit Card that earns FlexPoints and has no annual fee.

3 Current US Bank FlexPerks Credit Cards

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Targeted US Bank Credit Card Offers: 2,000 Bonus FlexPoints & 5,000 Bonus Club Carlson Points

Update: I just received an email offer on March 1 for my US Bank Club Carlson Personal Visa Signature Credit Card.  Scroll to the bottom to see the details of that offer.

Good morning everyone, I just received 2 targeted credit card offers from US Bank.  The first is on my US Bank FlexPerks Visa Signature Credit Card and offers 2,000 bonus FlexPoints after spending $500 between March 1 and April 30.  You can log into your FlexPerks PromoSite portal and see if you have the same (or better) offer.  If you do not see the offer after logging in, you can try clicking this link to go directly to the offer, but YMMV.  This offer is really generous from US Bank and is a no brainer in my book since 2,000 FlexPoints is worth ~$40 to me.

US Bank FlexPerks Visa Signature Credit Card Targeted Offer March 2017

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Is US Bank Eliminating Credit Card Retention Offers?

Good morning everyone!  I hope you all are enjoying the new year so far :)  I recently had 2 disappointing attempts at retention offers with US Bank so I wanted to share them with you and see if anyone has had any recent similar (or hopefully better) experiences.

Like most travel hackers, I have something like 30+ credit cards so I have to be very careful about only paying annual fees when I think I’m getting good value from that card beyond the first year.  Why 30+ credit cards?  Well, most of them are cards that I no longer use but I didn’t want to ding my credit score by closing the account so I downgraded to a no annual fee version and it just sits there until a bank tells me that I have too many open accounts and I have to close one in order to open another.  Two of those 30+ cards are US Bank FlexPerks cards (US Bank FlexPerks Travel Rewards Visa Signature and US Bank FlexPerks Travel Rewards American Express).  I believe the US Bank FlexPerks Travel Rewards American Express Card was replaced by the the US Bank FlexPerks Gold American Express Card a few months ago.

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New Targeted US Bank FlexPerks AMEX Offer: Spend $1,750, Earn 1,500 Bonus FlexPoints

Good morning everyone, happy Wednesday.  I apologize for writing about another targeted spending offer from US Bank.  US Bank loves to send me targeted spending offers and I hope I am not the only one who receives these offers.  For the record, I have 6 US Bank credit cards and I have now received spending offers on 4 of them (all for purchases made in November and December).  As a refresher, here are my 3 most recent posts regarding targeted spending offers from US Bank:

Today’s targeted spending offer is on my US Bank FlexPerks AMEX Credit Card.  After I spend $1,750 on the credit card (between November 1 and December 31), I will receive 1,500 bonus US Bank FlexPoints.  This offer isn’t great, but it isn’t terrible either.  Unfortunately, I do not think earning an extra 1,500 FlexPoints is worth spending $1,750 on the credit card.

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