Tag Archives: US Bank

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4 Flavors of Club Carlson Credit Cards (High, Medium, Low & Biz)

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Good morning everyone, happy Friday!  A few days ago, I wrote How to Redeem your Club Carlson Domestic Free Night Certificate ($10,000 Yearly Spend Required). While working on that post, I was reminded that there are not 2, not 3, but 4 US Bank Club Carlson credit cards. I only have the US Bank Club Carlson Premier Rewards Visa Signature Credit Card and the US Bank Club Carlson Business Rewards Visa Signature Credit Card (the 2 best US Bank Club Carlson credit cards, in my opinion), but I wanted to take a closer look at the other 2 US Bank Club Carlson credit cards to see if there was any reason to consider product changing to those credit cards.  To learn more about all of the US Bank Club Carlson credit cards, click here.

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How to Redeem your Club Carlson Domestic Free Night Certificate ($10,000 Yearly Spend Required)

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Good morning everyone, I hope you had a great weekend.  Yesterday, I redeemed my Club Carlson domestic free night certificate and wanted to share the process with you. A few years ago, I wrote How to Book your Club Carlson Worldwide Free Night Certificate, but I did not have the opportunity to earn and redeem a domestic free night certificate until just recently.  Fun fact, there are 4 different Club Carlson credit cards currently available, all with different perks, elite status, free anniversary points, and annual fees.  But the one thing that is the same on all the credit cards is the ability to earn a free night certificate valid at any domestic Club Carlson property after spending $10,000 or more on the Club Carlson credit card during your card member year.  For the record, I currently have the US Bank Club Carlson Premier Rewards Visa Signature Credit Card and the US Bank Club Carlson Business Rewards Visa Signature Credit Card.

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Targeted Spending Offers on US Bank Club Carlson Business & Cash Plus Credit Cards

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Good morning everyone, happy Friday!  By the time you read this post, I will be on my way to Denver for a short weekend trip (with a Sunday travel meetup in Denver).  My love affair with US Bank continues as they continue to shower me in gifts (in the form of targeted spending offers) on my US Bank Club Carlson Business Credit Card and US Bank Cash Plus Credit Card.  Let’s go through the offers and see if there are any winners.

First up, I have a targeted spending offer on my US Bank Club Carlson Business Credit Card.  After spending $2,000 on the credit card, I will earn an extra 5 Club Carlson Points per dollar, up to 5,000 bonus Club Carlson Points.  To maximize the offer, I would need to spend exactly $3,000.  I would receive $3,000 x 5 points per dollar = 15,000 Club Carlson Points + 5,000 bonus Club Carlson Points = 20,000 Club Carlson Points.  20,000 Club Carlson Points is worth ~$100 (each Club Carlson Point is worth 0.5 cents to me), so $100 / $3,000 = 3.33% return.  Not bad, but I really don’t want any more Club Carlson Points, so I will pass on this offer.

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Earn a $10 Statement Credit for using US Bank Credit Card with ApplePay (May 23 – June 30)

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Good afternoon everyone, I hope your week is going well.  I am really late to the party, but US Bank sent out emails last week to cardholders with a $10 bonus if you added your US Bank credit card to your ApplePay wallet and made an ApplePay purchase of $10 or more.  I received the email for my US Bank Club Carlson Personal Credit Card, US Bank FlexPerks Select+ American Express Credit Card, and US Bank Cash+ Credit Card.  I have 3 other US Bank credit cards that did not receive the email.

There are 2 ways to use ApplePay: in-app purchases, such as buying tickets from the StubHub app or for paying for your Uber/Lyft ride; or in-store purchases, made at the register at your local store or gas station.  I’m not sure if both ways will trigger the bonus, but I assume so.

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Best Credit Card for Restaurants: US Bank Cash Plus or FlexPerks Gold AMEX?

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Good afternoon everyone, I hope you are having a great weekend. I am currently in Miami on my way back home to San Francisco after my week-long vacation to Saint Kitts and Nevis and my stay at the Marriott Saint Kitts Beach Club timeshare property (2 trip reports coming later this week, or next week, or never – let’s see if I can get these posted before I forget). Enough about me, let’s talk about credit card rewards.

A long time ago, my go to credit card for all restaurant purchases was my beloved Citi Forward Credit Card. I used to earn 5x Citi Thank You Points for all restaurant purchases, from fast food to fine dining. Unfortunately, Citi changed the card earnings on restaurant purchases from 5x to 2x, so I looked for a suitable replacement. The obvious choice was Chase Sapphire Preferred with 2x on restaurants, then along came the Chase Sapphire Reserve with 3x on restaurants. I tried to apply for the Chase Sapphire Reserve (twice!), and got declined (twice!) due to 5/24.  I don’t have any other Chase credit cards that I want to convert / product change to a Chase Sapphire Preferred or Chase Sapphire Reserve either.  With those sad facts, my search for a suitable restaurant credit card continued.

I was pretty happy using my US Bank Cash Plus Credit Card for restaurant purchases – earning 2% cash back at restaurants and 5% cash back at fast food restaurants.  That was good enough for a few months until I got an email from US Bank that changed everything…

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