Tag Archives: US Bank

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How Much Did I Pay in Credit Card Annual Fees in 2021?

Good morning everyone, I hope your week is going well.  Last year, I wrote How Much Did I Pay in Credit Card Annual Fees in 2020?  I wanted to create a similar post for 2021, so I listed all of our credit cards that have annual fees and sorted them by when the annual fee posted.  Whenever I see an annual fee post, I always call the credit card company to see if there are any retention offers available.  At the bottom of this post, I will also share what retention offers I received this year, which credit cards I closed, and which credit cards I converted.  As a starting point, if I kept every single credit card with an annual fee this year, I would have 26 credit cards and paid a total of $4,468 in annual fees.  Here are our credit cards and annual fees (LT = Laura’s cards):

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How Much Money Did I Make from Bank Account Bonuses in 2021?

Good afternoon everyone, I hope you had a great weekend.  Doctor of Credit has a Best Bank Account Bonuses page that he keeps up to date with the best offers each month.  In that master post, he links to individual bank account bonuses with helpful information regarding the bonus details, how to avoid monthly fees, when to close the account, how often you can open a new account, and much more.  For the last 7 years, I have been opening new checking accounts, savings accounts, brokerage accounts, and cash management accounts for the new member bonuses.  Tt the end of each year, I share my results on the blog.  Over the last 7 years, I have made $15,850 in bank account bonuses.  You will receive 1099-INT tax forms every year, so you have to pay taxes on the bank account bonuses, but sometimes you can fund the opening deposit with a credit card and earn miles, points, or cash back.  If you are lucky, you can meet a minimum spending requirement by funding a new checking account or reach a high spending target to earn more rewards.  Here are my results from the last 7 years with links to corresponding blog post summaries:

Drum roll please… Here are the 13 new accounts I opened in 2021:

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Real-Time Rewards Not Working on my US Bank Business Triple Cash Rewards Credit Card

Good afternoon everyone, I hope you had a great weekend.  This post will probably not help most people, but if you have the US Bank Business Triple Cash Rewards Credit Card, like I do, you might appreciate this post.  Long story short, I earned the $500 Cash Rewards sign up bonus and wanted to redeem the sign up bonus.  I am a big fan of Real-Time Rewards and have used it many times with my US Bank Altitude Reserve Credit Card.  In the US Bank Rewards Portal, I enrolled in the Real-Time Rewards program, selected the $25 minimum purchase amount and checked the box to enroll all categories.

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Sign Up Bonus Posting Speeds for Capital One Spark Miles & US Bank Triple Cash Rewards Business Credit Cards

Good morning everyone, happy Friday!  I hope you had a great Veteran’s Day Holiday yesterday.  Last month, I applied for 2 business credit cards and I wanted to share the details of how quickly the sign up bonuses posted for each credit card.  Up first, let’s talk about the Capital One Spark Miles Business Credit Card, which is currently offering 50,000 miles after spending $4,500 in 3 months.  Up next, I will cover the US Bank Business Triple Cash Rewards Credit Card, which is currently offering $500 cash back after spending $4,500 in 5 months.

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US Bank Business Triple Cash Credit Card Application Process & Welcome Documents

Good afternoon everyone, I hope your week is going well.  2 days ago, I wrote Capital One Spark Miles Business Credit Card Application Process & Welcome Documents.  2 weeks ago, I also applied for the US Bank Business Triple Cash Credit Card.  My application was not instantly approved, so I called the US Bank business credit card application status / reconsideration department and asked if I could move some credit from my existing US Bank business credit cards in order to be approved for my new credit card.  The rep said that US Bank did not reallocate credit limits and when I called on October 7, the rep said the credit department was still working on applications from October 1, so 6 days behind.  6 days later, on October 13, my application was approved.

Here is what the front and back of the credit card looks like.  I am not a fan of the mixture of vertical and horizontal elements on the front of the card; and the back of the card looks to simple and a little boring.  It also looks like there is something missing from the bottom left corner on the back.  In this post, I will share details of the application process and the welcome documents I received from US Bank.

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