Tag Archives: US Bank

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My US Bank Radisson Rewards Credit Card Arrived; Why Does the Card Look Different?

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Good afternoon everyone.  Earlier today, I wrote Did I get Approved for a New US Bank Credit Card? Just Log into your Account to Check.  In that post, I talked about my surprise approval of the US Bank Radisson Rewards Visa Signature Credit Card.  I also mentioned that I received the Platinum Visa version, instead of the Visa Signature version.  Here is a quick rundown of the differences between the Visa Signature version (left) and the Visa Platinum version (right).  I wanted the Visa Signature version because the sign up bonus was 60,000 Radisson Rewards Points after spending $1,500 in 3 months and it came with 25,000 Radisson Rewards Points every year you pay the $50 annual fee.  Eventually, I plan on upgrading to the US Bank Radisson Rewards Premier Visa Signature Credit Card (not pictured) because that offers 40,000 Radisson Rewards Points every year you pay the $75 annual fee.

In this post, I will show you the card art for the Visa Platinum version and the welcome letter that came with this credit card.  I will also share my 2 calls to US Bank to try to make sense of my new credit card.

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Did I get Approved for a New US Bank Credit Card? Just Log into your Account to Check

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Good morning everyone.  During my recent App-O-Rama, I applied for the US Bank Radisson Rewards Visa Signature Credit Card.  This credit card offers 60,000 Radisson Rewards Points after spending $1,500 in 3 months.  There is a $50 annual fee, but you get 25,000 Radisson Rewards Points every year for paying the annual fee.  After I get the sign up bonus, I will call US Bank and ask them to upgrade me to the US Bank Radisson Rewards Premier Visa Signature Credit Card, which offers 40,000 Radisson Rewards Points every year when you pay the $75 annual fee.

I already had the US Bank Radisson Rewards Premier Visa Signature Credit Card (previously named the US Bank Club Carlson Premier Rewards Visa Signature Credit Card) and the US Bank Radisson Rewards Business Visa Credit Card (previously named the US Bank Club Carlson Business Rewards Visa Credit Card).  I created this helpful table to show you the before (top, Club Carlson) and after (bottom, Radisson Rewards) credit card names.  Long story short, my application for the US Bank Radisson Rewards Visa Signature Credit Card went to pending and I assumed I would be declined for this credit card because I already have 6 US Bank credit cards and my ARS / SageStream credit reports are frozen.  But as I later found out, that was not the case.  Here’s how I found out that I was approved.

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Keep, Cancel or Convert? US Bank FlexPerks Gold ($85 Annual Fee) & Wells Fargo Propel World Elite ($175 Annual Fee)

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Good morning everyone, I hope you enjoyed reading about my credit card decisions surrounding keeping, closing, or converting my credit cards after the annual fees post.  Check out my thoughts on my Chase Sapphire Reserve and Chase Ink Plus Business credit cards; my American Express Hilton Ascend and SPG Business credit cards; my Bank of America Alaska Airlines Business and Citi AT&T Access More credit cards.  As a reminder, here are all the credit cards and their annual fees.  In today’s post, I am going to cover both the US Bank FlexPerks Gold American Express Credit Card and the Wells Fargo Propel World Elite American Express Credit Card.  Are they worth keeping, should I close them, or should I convert them to another credit card?

  • Chase Sapphire Reserve – $450 (posted 4/1)
  • Chase Ink Plus Business – $95 (posted 4/1)
  • American Express Hilton Ascend – $95 (posted 4/3)
  • American Express SPG Business – $95 (posted 4/6)
  • Bank of America Alaska Airlines Business – $75 (posted 4/2)
  • Citi AT&T Access More – $95 (posted 4/4)
  • US Bank FlexPerks Gold – $85 (posted 4/3)
  • Wells Fargo Propel World – $175 (posted 3/31)

US Bank FlexPerks Gold American Express Credit Card

The $85 annual fee just posted and I have seriously lost interest in FlexPoints over the years.  The death nail came on December 31, 2017, when FlexPoints changed to a fixed 1.5 cents per point (CPP) value for all travel redemptions.  This credit card earns 3x on airfare, 2x on gas, and 2x on restaurants.  I currently use my Chase Sapphire Reserve Credit Card for travel, restaurants, and gas since I get 3x Chase Ultimate Reward Points on those purchases.  I can also redeem Chase Ultimate Reward Points for travel at 1.5 CPP, so the Chase Sapphire Reserve Credit Card is as good or better in every way compared to the US Bank FlexPerks Gold American Express Credit Card.  I redeemed almost all of my FlexPoints before December 31, 2017, and have a few hundred FlexPoints leftover in my account.  Not to worry, I have a no annual fee US Bank FlexPerks Select+ American Express Credit Card that will keep my few hundred FlexPoints alive.

Decision: US Bank FlexPerks Gold American Express Credit Card will be converted to a no annual fee US Bank Cash 365 American Express Credit Card.  That card earns 1.5% cash back on all purchases, so it will never be used.

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March App-O-Rama: Which 7 Credit Cards am I Considering?

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Good morning everyone, happy Saturday! Thanks for the comments on yesterday’s post regarding which non-5/24 Chase credit cards I should get. I think I have narrowed down my App-O-Rama (AOR) credit card list to these 7 credit cards. I plan on applying for these credit cards sometime next week. Please let me know if you agree or disagree with any of the credit cards on this list. If there are any credit cards that you think are worth applying for, please share them in the comments and I will check them out.

Based on yesterday’s post, I will apply for these 2 Chase credit cards:

  • Chase Marriott Business Credit Card: This is the only non-5/24 Chase business credit card and who couldn’t use more Marriott points? The current sign up bonus is 75,000 Marriott points after spending $3,000 in 3 months. The $99 annual fee is waived the first year. I already have the Chase Marriott Rewards Credit Card, so the annual category 1-5 Marriott free night certificates will pair nicely with each other. I don’t plan on spending much on this credit card after meeting the minimum spend requirement. As long as I can redeem the Marriott free night certificate for more than an $99 hotel night, this is a decent credit card to hold on to for a long time. *snarky comment alert* If Marriott keeps devaluing their program, by the year 2029, there will not be any Marriott category 1-5 hotels left…
  • Chase Iberia Credit Card: Since you can get 1 personal and 1 business credit card from Chase on the same day, I have decided to go for this personal credit card. The current sign up bonus is 50,000 Avios after spending $3,000 in 3 months and an additional 25,000 Avios after spending $10,000 in 12 months. The annual fee is $95. I don’t plan on booking any Iberia flights in the near future, so I won’t be able to take advantage of the 10% discount on Iberia flights. I don’t plan on spending much on this credit card after meeting the minimum spend requirement and will close the credit card when the annual fee comes due the following year.

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I’m in a Miles & Points Funk Part 1: Hotels

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Good morning everyone, I apologize for my lack of blog posts recently, but I’ve found myself in somewhat of a miles and points funk. Usually, I’m in an upbeat, positive mood, but lately, I’ve found it hard to get excited about the miles and points game. It seems that everything that I once loved has changed for the worse (that might be a tad dramatic). Let me share what’s on my mind so you can see where I’m coming from. Let’s start with hotels first.

I recently spent 100,000 Radisson Rewards points for 2 nights at the Radisson Blu Crete, and I’m not impressed by the new Radisson Rewards program. Since the free night certificates for spending $10,000 (and $20,000 and $30,000) on the US Bank Club Carlson credit cards are only valid at hotels in the US, it’s not worth spending money on those credit cards. I tried to rally my fellow readers and travel blogger friends by sharing my dissa-point-ment with US Bank and Radisson Rewards on Twitter, but I got no response from either company. I plan on keeping both of my Club Carlson credit cards just for the 40,000 points on my cardmember anniversary.

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