Good morning everyone.  Last month, I wrote July 2015: My 8 Credit Card App-O-Rama Game Plan where I shared my thought process on my upcoming App-O-Rama.  On the list, was the US Bank Cash Plus Credit Card.  The sign up bonus is small ($100 bonus after spending $500 in 3 months), but the 5% rotating cash back categories was intriguing.  This credit card has the potential to generate $400 in cash back every year (5% of $2,000 = $100 x 4 quarters = $400 yearly).  Since I already have the US Bank FlexPerks Visa and AMEX, Club Carlson personal and business, this was the only other US Bank credit card I was interested in.

If you have never applied for a US Bank credit card or have a hard time getting approved for US Bank credit cards, I recommend Freezing your ARS and IDA Credit Reports before applying.  I have had great success after freezing both of these smaller credit bureaus.

When my App-O-Rama date arrived (July 14), I applied for the credit card…

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