Tag Archives: Cash Back

My Real Time Rewards Redemptions on US Bank Business Leverage Credit Card (Observations & Theories)

Good morning everyone, I hope your weekend is off to a great start.  A few months ago, I applied for the US Bank Business Leverage Visa Credit Card.  The credit card offers $750 cash back after spending $7,500 in 4 months.  I had a large bill to pay via Plastiq and used this credit card to meet the minimum spending requirement.  (FYI, there is also a US Bank Business Cash Rewards Mastercard Credit Card that offers $500 cash back after spending $3,000 in 3 months – I will probably get this business credit card next.)

The sign up bonus posted on my first credit card statement and posted as US Bank Rewards Points (kind of like Altitude Reserve Points on the US Bank Altitude Reserve Credit Card, but these points are worth 1 cent each for all rewards).  Instead of redeeming my points for cash back, I enrolled my new credit card in US Bank Real Time Rewards (RTR) and made 2 purchases to redeem the bulk of my US Bank Rewards Points.  Here is what I learned about my new credit card and the RTR process.

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Last Day to Register for Tomorrow’s FTU Virtual Seminar (Saturday February 20)

Good morning everyone, happy Friday!  I just wanted to remind you that today is the last day to register for tomorrow’s FTU Virtual Seminar.  If you have no plans tomorrow (Saturday February 20), I highly recommend attending the FTU Virtual Seminar (tickets available for $25).  The seminar starts on Saturday at 11am ET / 8am PT and will run for 3 hours with a virtual social mixer afterwards.  I really enjoyed attending the first FTU Virtual Seminar back on December 12 and I’m sure this seminar will be just as entertaining and educational.  If you have the FTU Online Annual Membership, you can attend the seminar for free.

If you register for the seminar, but are unable to watch the live stream, you can access the recording of the seminar and watch later on.  This is also a great way to re-watch your favorite presentations and catch any details that you may have missed.

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Attend FTU Virtual Seminar on February 20 ($25) or Free with FTU Online Annual Membership

Good morning everyone, happy Presidents’ Day and I hope you had a great Valentine’s Day weekend too.  If you have no plans this coming Saturday (February 20), I highly recommend attending the FTU Virtual Seminar (tickets available for $25).  The seminar starts on Saturday at 11am ET / 8am PT.  I really enjoyed attending the first FTU Virtual Seminar back on December 12 and I’m sure this seminar will be just as entertaining and educational.  If you have the FTU Online Annual Membership, you can attend the seminar for free.

If you registered for the seminar on Saturday, but are unable to watch the live stream, you can access the recording of the seminar and watch later on.  This is also a great way to re-watch your favorite presentations and catch any details that you originally missed.

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On My Mind: Which Credit Card Do You Use When You Don’t Know The Bonus Category?

Good morning everyone, I hope you all had a great Super Bowl Weekend.  A few days ago, when I was reviewing my recent credit card statements and I spotted a few purchases that did not earn bonus points.  I assumed the purchases would code as a restaurant, so I used my American Express Gold Card, but to my surprise, the purchases did not code as a restaurant (and I only earned 1x on the purchases).  This led me down a rabbit hole where I pondered similar situations like:

  • A restaurant located inside a hotel (would it code as a restaurant or hotel purchase?)
  • A restaurant that was located on a golf course (would it code as a restaurant or golf course purchase?)
  • A café located inside a bookstore (would it code as a restaurant or a bookstore?)
  • And so on and so on…

To me, there are 2 possible ways to answer these questions: Gamble or Play It Safe. Continue reading

$10 Statement Credit Posted for $50 PayPal Purchase (US Bank December 2020 Promo)

Good morning everyone, happy Super Bowl Sunday!  2 months ago, US Bank sent out a (targeted?) promo to US Bank credit card holders where you could earn a $10 statement credit for adding your credit card to PayPal and making $50 of PayPal purchases by December 31, 2020.  This was an easy money maker for me, so I added my US Bank Altitude Reserve Credit Card to my PayPal account and made a $50 purchase.  The $10 statement credit took a while to post to my account, but finally posted on February 5, 2021 (a day after my February credit card statement closed).  If you participated and completed this promo, you should see the $10 statement credit right after your February 2021 statement closes.

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