Tag Archives: US Bank

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My March Madness App-O-Rama Results: 3 out of 4 Credit Cards Approved

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Good morning everyone, happy Friday!  As I mentioned in my post yesterday, I did a mini App-O-Rama (where I apply for several credit cards on the same day) on Monday.  I am still waiting for most of the credit cards to arrive in the mail, but I have all the results.  Here are the results of my March App-O-Rama (sorry there is nothing related to NCAA March Madness in this post):

  1. American Express Gold Card – instant approval (I wrote about the instant approval here)
  2. US Bank Altitude Reserve Visa Signature Credit Card – pending and then approved (I will have a post out later today with my unboxing photos)
  3. Wells Fargo Business Platinum Credit Card – pending and then approved
  4. Bank of America Alaska Airlines Business Credit Card – pending but will be denied since they want a lot of business and tax documents (I will explain more below)

Click the above link to see info on my American Express Gold Card instant approval.  Without further ado, let’s go through the 3 other credit card application results.

US Bank Altitude Reserve Visa Signature Credit Card

After my instant approval with the American Express Gold Card, I was feeling good and hoped my instant approval streak would continue (like the good ole days when I would go 6 for 6 on credit card App-O-Ramas).  But instead, I got a pending decision and decided to wait and see what would happen.

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Targeted Spending Offers for US Bank Radisson Rewards Business & Personal Credit Cards

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Good morning everyone, happy Friday! I’m heading to Las Vegas this weekend to do some hiking and watch the Golden Knights NHL game.  I hope you have a fun filled weekend ahead too!  Yesterday, I received 2 targeted spending offers from US Bank regarding my US Bank Radisson Rewards Business Credit Card and US Bank Radisson Rewards Visa Signature Credit Card.  I will go through both offers and tell you what I think of each offer.  If you received different targeted offers, please let me know in the comments.  Without further ado, let’s go over the targeted spending offer on my US Bank Radisson Rewards Business Credit Card.

After spending $2,000 on the credit card, I will earn 3 bonus points per dollars, up to 5,000 bonus points.  I would need to spend an extra $1,666.67 to max out the 5,000 bonus points.  In total, I would need to spend $2,000 + $1,666.67 = $3,666.67 and earn 23,333 points ( [5 x 2,000 = 10,000] + [8 x 1,666.67 = 13,333], 10,000 + 13,333 = 23,333).  If I spent $3,666.67 on my Citi Double Cash Credit Card, I would earn $73.33.  So $73.33 cash back vs. 23,333 Radisson Rewards Points.  According to Frequent Miler’s Reasonable Redemption Value table, Radisson Rewards Points are worth 0.38 cents per point, so 23,333 points is worth $88.67, or only $15.34 more than the cash back.  I’m currently sitting on a stash of 146k Radisson Rewards Points, so I do not want/need any more points.  If you value Radisson Rewards points at more than 0.38 cents per point, you might be interested in this offer.

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Arcadia: $15 Off My PG&E Gas & Electricity Bill (+ 5% Cash Back with US Bank Cash+)

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Updated 10am PT on 7/9/20: Arcadia Power changed their name to Arcadia, so I updated the logo and changed references of “Arcadia Power” to “Arcadia” in this post.  Arcadia has also improved their website, so some of the screenshots in this post are out of date.

Good morning everyone, I hope your weekend is going well.  Last month, Doctor of Credit wrote a post about Arcadia stating that you could use this service to pay your electricity bill with a credit card and not be charged a fee.  I have been paying a $1.35 fee per payment to PG&E (Pacific Gas & Electric) for the last few years, so I was immediately interested.  For the last few years, I have been using my US Bank Cash+ Credit Card to earn 5% cash back on utility bills (as far as I know, Chase Ink Business credit cards do not earn 5x on electrical utilities bills, just phone / internet / TV utility bills).  With the $1.35 fee per payment, as long as my payment to PG&E was greater than $27 ($27 x 5% = $1.35), I would come out ahead.  If I could continue earning 5% with my US Bank Cash+ Credit Card to pay my PG&E bill and avoid the $1.35 fee, I would definitely use Arcadia.  I am happy to state that that is exactly what happened with my recent PG&E payment via Arcadia.  If you are not an Arcadia member, please use my referral link to create a free account.  Thank you!

I received this email from Arcadia on January 5.  In the email, it says I saved $15 (my Arcadia first payment bonus) and owe $105.88.  My card on file (US Bank Cash+ Credit Card) would be charged on January 8.  I didn’t need to do anything else.

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Are 2 Gogo Accounts Better Than 1? (Spoiler: Yes!)

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Good morning everyone, happy Friday!  According to the news, yesterday and today are 2 of the busiest travel days of the year (roughly 3 million people are projected to travel both days).  If you are traveling this holiday season and especially if you are traveling with friends or family members, I highly recommend creating a second Gogo account.  Let me explain why.  A few days ago, I got the following email from Gogo regarding my 10 free Gogo passes for having an American Express Business Platinum Charge Card (if you have this charge card, I will show you how to get your 10 free Gogo passes below.)

I tend to fly Southwest Airlines often and they do not offer Gogo, so most of my Gogo passes expire at the end of the year.  But of the few times when I am travelling on an airplane that offers Gogo, I am usually travelling with my girlfriend and Gogo only allows you to use 1 Gogo pass per flight.  If you have more than 1 Gogo account, you can use passes from each Gogo account on the same flight.  Pretty novel idea, right?

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Pathetic US Bank Radisson Rewards Targeted Spending Offer

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Good afternoon everyone.  I just wanted to share a pathetic US Bank Radisson Rewards targeted spending offer I received yesterday.  I have 3 US Bank Radisson Rewards credit cards (Business, Visa Signature, and Visa Platinum) and received the same pathetic spending offer on all 3 credit cards.  After spending $50 on the credit card, I will earn 1 bonus point per dollar, up to 5,000 bonus points.  The Business and Visa Signature versions earn 5x everywhere, so this would be 6x everywhere.  I barely put any spending on my US Bank Radisson Rewards credit cards and this promotion does not entice me to start using these credit cards.  If you use your US Bank Radisson Rewards credit cards more often, you may receive a better targeted spend offer.

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