Introduction to US Bank ScoreBoard Reporting to Analyze Spending Activity

Good morning everyone.  Hot on the heals of Citibank’s New Online Bonus Spend Tracker, US Bank has introduced their own spend tracker called ScoreBoard Reporting (sounds like a sports app to me).  When you log into your US Bank online account, you will see ScoreBoard Reporting listed beneath every US Bank credit and debit card.  I was curious about the new service, so I spent a few minutes playing around with the reporting features.

US Bank Scoreboard Reporting

At the top of page, you can toggle between the Spend and Reports tab.  The Spend tab will show you how much you spent per month, quarter, year, or year to date for any given US Bank credit or debit card.  For the example below, I am looking at a monthly bar chart of my US Bank FlexPerks Visa Credit Card.  The Spending Trend graph shows how much I spent each month.  The light blue bars in the background represent spending done last year.  The Spending by Merchant graph shows all my spend for a given month was made at Target (Redbird credit card reloads).

US Bank Scoreboard Reporting - FlexPerks Visa Monthly View

I am now looking at an annual report for my US Bank FlexPerks Visa Credit Card.  In 2014, I spent $24,705 (barely enough to qualify for the 3,500 FlexPoints anniversary bonus).  The Spending by Merchant graph shows all my spend for 2014 occurred at various Target stores around California (Redbird credit card reloads).  Each Target store codes as a different merchant with its own color.

US Bank Scoreboard Reporting - FlexPerks Visa Annual View

Now let’s take a look at my US Bank Club Carlson Personal Credit Card.  Looking at the Spending Trend monthly report, the light blue bars in the background show how much I spent last year for any given month.

US Bank Scoreboard Reporting - Club Carlson Monthly View

Switching to an annual report of my US Bank Club Carlson Personal Credit Card shows I spent $20,096 in 2014 (racking up Club Carlson points for the Last Night Free program).  In 2015, I have only spent $2,000 total so far.

US Bank Scoreboard Reporting - Club Carlson Annual View

Moving over to the Reports tab, there are 3 different reporting views: Annual Summary, Industry Summary, and Merchant Summary.  With the Annual Summary view, you can view all activity for a single day, week, month, year, or range of dates.  Here is the annual summary for my US Bank Club Carlson Personal Credit Card for 2014.  It shows how much I spent each month and quarter, along with any fees or returns that were made to the credit card.

US Bank Scoreboard Reporting - Club Carlson 2014 Annual Summary 1

Under the purchases section, I can see every single purchase made on the card in 2014 (I shopped at CVS a lot in 2014).

US Bank Scoreboard Reporting - Club Carlson 2014 Annual Summary 2

Under the fees section, it shows annual fees, interest fees, and foreign transaction fees (the stupidest fees ever for a travel reward credit card).  You can also view all returns and payments made to the credit card.

US Bank Scoreboard Reporting - Club Carlson 2014 Annual Summary 3

Switching to the Industry Summary view, you can see all purchases made by each merchant category over the year or individual month.  Healthcare Services & Supplies (aka CVS) was my largest shopping category.

US Bank Scoreboard Reporting - Club Carlson 2014 Industry Summary

Last but not least, we can switch over to the Merchant Summary view.  This report shows every merchant I spent money at during 2014.  If you shop at 1 particular store (or online store), you will see all purchases for that store combined.  If you shop at the same merchant but different stores/locations, you will see those purchases on separate line items.

So what is the point of ScoreBoard Reporting and why should you care?  For certain US Bank credit cards (like the FlexPerks Visa and AMEX), you get a 3,500 FlexPoints bonus every year when you spend $24,000.  Wouldn’t it be great to just glance at your 2015 annual spending and see where you are at, rather than manually checking all your 2015 statements?  This can also be useful for US Bank Cash Plus Credit Cards if you want to see how close you are to maxing out your 5% quarterly cash back categories.  Now it will only take you a few seconds to find the answer, rather than a few minutes calculating purchases.

Unfortunately, purchases made before your statement closes will not show up in the ScoreBoard.  You must wait until your statement closes to view the activity in your ScoreBoard.  Hopefully US Bank adds this feature in a future update.

If you have any questions, please leave a comment below.  Have a great day everyone.

8 thoughts on “Introduction to US Bank ScoreBoard Reporting to Analyze Spending Activity

  1. DaninMCI

    I’ve played with this as well but mine shows almost nothing as I hardly ever put any spend on these cards (even thought I’m a 20+ year US bank customer.
    I’m surprised, no shocked you would put $25k in spending on these. I just seems like I’d rather have some EQM’s or Chase or other points instead of Flex points. Am I wrong on that? just wondering.

    Reply
    1. Grant

      Back when credit cards could be used for Redbird reloads, I think the US Bank FlexPerks Visa was a great choice since you would get 2x on the reload, which is almost 4% cash back.

      Reply
  2. HORACE

    Partner recently got the Flexperks AMEX to load Serve with and to earn 3 points/$ charity bonus and 2 points/$ wireless bonus (not everyone has or wants a business card) as well as supermarket bonus.

    We should easily meet the $24,000 spend threshold for the first year as this will be our go to card for the above items, as well as supermarket spend — supplanting the AMEX Everyday card.

    Reply
      1. HORACE

        Grant — I want to delve your and your reader’s accumulated knowledge. I believe somewhere I read that AMEX does not code warehouse stores as supermarkets, and therefore they are not subject to bonus point categories, whereas I definitely know that at least at some Walmart Superstores, groceries purchased from them — and perhaps other items in other areas, as well — will get a bonus of 2 points/$ from the IHG MC — little known benefit of the card is 2X on groceries — found out about it when meeting my minimum spend.

        In any event, now that news has broken that Sam’s Clubs will be taking AMEX in store from 10/1/15 onward (I recently purchased a membership thru a Living Social deal) I was wondering whether you have had any experience with how US Bank my code purchases from warehouse stores vis a vis bonus categories.

        I understand that you don’t have the US Bank AMEX, but was wondering if any of your US Bank card products had a multiplier for supermarket spend and whether you or you readers know how such was categorized from a warehouse store — acknowledging that such treatment may not transfer over to the US Bank Flexperks AMEX — since I am wondering whether the bonus category on this specific card would apply at Sam’s Club and other warehouse stores.

        Thanx!

        Reply
        1. Grant

          I have the US Bank FkexPerks Amex, but don’t use it much, except for lucrative Amex Offers. You will need to look up the Merchant Categorization Code (MCC) for each merchant to see how they are coded. Some Targets are coded as a grocery store by Visa, but coded as a wholesale discounter by Amex. Each merchant can be coded differently, but most of the time the categories are similar/same.

          Reply
          1. HORACE

            Thanks, that is what I thought. I did not know you had the AMEX Flexperks. Have you been able to get the fee refunded by having a Gold checking account with US Bank — there have been a few reports of that. Of course, having a US Bank credit card gets you a FREE Gold checking account at US Bank so it is a bit of a circle, but was wondering if you don’t use it all that much and it has a $49 fee, why would you keep it?

          2. Grant

            I haven’t had any US Bank credit cards charge an annual fee since I opened my Gold Checking account yet. I’ll let you know if I do get an annual fee charged or refunded.

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