Tag Archives: US Bank

What’s on My Mind: US Bank FlexPerks FlexPoints, Experian Credit Score, Using Square for Restaurant Bills, Screening Exchange, and my Upcoming App-O-Rama

What's On My Mind

What’s on My Mind: US Bank FlexPerks FlexPoints, Experian Credit Score, Using Square for Restaurant Bills, Screening Exchange, and my Upcoming App-O-Rama

I know, I know, we are all devastated by the United Airlines revenue-based frequent flyer mile announcement, but hopefully some of these random credit card and news stories will take your mind off of that for a few minutes…

I did a little experiment last month with my US Bank FlexPerks Credit Card and Target (link).  Since my credit card is a Visa and since my local Target is classified as a grocery store by Visa, I wanted to see if I could load $1,000 onto my Target AMEX with my US Bank FlexPerks Credit Card and see if it counted as a “grocery store” purchase, therefore earning 2x FlexPerks.  You can use the Visa Merchant tool by reading this post.

Target AMEX viw US Bank FlexPoints CC

After a “few” grocery store purchases, that sounds like I bought grocery stores.  Let me rephrase that.  After a “few” purchases at grocery stores, I racked up $5,000+ in charges.  I have mostly Ralphs and Pavillions grocery store purchases and 1 large purchase from Target (in the middle).   Continue reading →

Lesser Known Perks of the US Bank FlexPerks Travel Rewards Credit Card

FlexPerks Visa Signature Card

Lesser Known Perks of the US Bank FlexPerks Travel Rewards Credit Card

(Hat Tip to the US Bank website – link)

I really like my US Bank FlexPerks Credit Card (besides the fact that it has a Chip and Signature and charges FOREX fees – link), since it is a great way to manufacture spend you way to free travel (link).  In this post, I want to highlight some of the lesser known perks of the US Bank FlexPerks Travel Rewards Credit Card, such as the 3,500 bonus FlexPerks you will receive after spending $24,000 in 12 months.

FlexPerks Superior Value

Since the card earns 2x points at grocery stores, I plan on using this card to buy $500 gift cards at my local grocery stores.  Including the $5.95 gift card activation fee, my total will come out to $505.95, which will earn 1,012 FlexPerks Points.  Assuming I bought 48 $500 gift cards over the next 12 months, that would put me across the $24,000 12 month limit.  48 gift cards would cost me $285.60 in activation fees, but would generate 48,576 FlexPerks Points (48 x 1,012).  Adding in to the 3,500 bonus FlexPerks Points, your new total comes to 52,076 FlexPerks Points.

FlexPerks Gift Cards $24,000

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Sunday Funday: Targeted 1,000 Southwest Airlines RR Points, New Sign Up Link Page, and my Strategy for the US Bank FlexPoints Credit Card

Sunday Funday

Sunday Funday: Targeted 1,000 Southwest Airlines RR Points, New Sign Up Link Page, and my Strategy for the US Bank FlexPoints Credit Card

Before I go any further, I wanted to say Happy Mother’s Day to my mom and all the other mothers out there.  Thank you for everything you do!  With that said, I had a few minutes of arts and crafts time today and made a sign with old Vanilla Reload Cards (yes I horde them).  My mom > 1,000,000+ miles or points!

HMD

Now back to travel news.  My mom and I both received targeted offers from Southwest Airlines for 1,000 bonus Southwest Airlines Rapid Reward Points by enrolling in Southwest Airlines email updates (I think I was already enrolled in their email updates).  Both of us have a Southwest Airlines personal credit card.  My dad has a Southwest Airlines personal credit card, but he did not receive an offer (yet?).

SWA Flyer

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Quick Thought: The US Bank FlexPerks Travel Rewards Visa might be the Worst Travel Credit Card Ever

FlexPerks Visa Signature Card

Quick Thought: The US Bank FlexPerks Travel Rewards Visa might be the Worst Travel Credit Card Ever

I just got off the phone with US Bank and came to the conclusion that the US Bank FlexPerks Travel Rewards Visa might be the worst travel credit card ever.  Why you ask?

Simple.  Do you see that shiny chip on the left side of the credit card?  That chip should signify that this card is made for international travel and ready to go.  The only problem is… Foreign Transaction Fees!

I don’t know what is going through the minds of US Bank’s credit card management.  Who would have foreign transaction fees on a credit card that was made for international travel.  That is a sick joke, sick indeed!

According to the terms and conditions of the credit card, all foreign transactions placed in US Dollars incur a 2% fee and all foreign transaction placed in a foreign currency incur a 3% fee.

US Bank FlexPerks Terms

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App-O-Rama Update: US Bank FlexPerks Travel Rewards Credit Card Finally Arrived

US Bank Olympics Promo

App-O-Rama Update: US Bank FlexPerks Travel Rewards Credit Card Finally Arrived

During my last app-o-rama (link) on March 15, I applied for the US Bank FlexPerks Travel Rewards Credit Card because of the Winter Olympics promo (see pic above).  I got a pending decision so I called the reconsideration department.

US Bank FlexPerks Pending Call

Unfortunately, US Bank doesn’t really have a reconsideration department, the representatives just tell you to wait a few days and call back to see if you were approved.  They also have an automated application status phone number (800-947-1444) that will tell you the status of your application.

Yesterday, when I logged into my US Bank account, I saw a new credit card added to my online account.

New US Bank CC

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