Tag Archives: US Bank

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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a woman with blonde hair and a green shirt

5 Credit Card Applications, 4 Approvals, 3 Reconsideration Calls, 2 Business Cards, and 1 Pending Application

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I did a 5 card app-o-rama early Thursday morning and here are my thoughts, suggestions, tips, tricks, and ways to improve your reconsideration calls.

Always have a plan and stick to your plan.  You don’t have to sign up for credit cards the first day or week to get the sign up bonus.  Most bonuses last a few weeks or months and often come back a few times throughout the year.  I always recommend waiting at least 3 months since your last credit card application (or app-o-rama in my case) before your next app-o-rama.  My last app-o-rama was on November 18 (link) and I got the following 6 cards:

  • US Bank Club Carlson Personal Credit Card
  • Bank of American Alaska Airlines Personal Credit Card
  • American Express Platinum Mercedes Benz Personal Credit Card
  • Citi Dividend Cash Back Credit Card (converted old Citi AA Card)
  • Chase IHG® Rewards Club Select Credit Card
  • Hilton Honors™ Surpass® Card from American Express (upgraded from American Express Hilton HHonors Credit Card)

Since my last app-o-rama, there have been a few new cards on my radar.  When planning your app-o-rama, make a list of all the cards you want to get.  Then organize them in the order in which you want to get them.  Ask yourself, “If I could only get 1 card, which card would it be?” For me, that was an easy question.  I am going for the Citi American Airlines Executive Credit Card with 100,000 American Airlines miles after spending $10,000 in 3 months.  Continue reading →

Buying Club Carlson Points might be a Good Deal

Club-Carlson-Cards

Buying Club Carlson Points might be a Good Deal

I know, I know, buying points/miles/lottery tickets is not a good deal, but sometimes it is.  In case you were wondering, Club Carlson sells blocks of 1,000 points for only $7, or 0.7 cents per point, and you can only buy 40,000 Club Carlson points per calendar year.

Purchase Club Carlson Points

The transaction is processed by Points.com, so if you were planning on using your US Bank Club Carlson credit card to earn bonus points, think again.  You will only earn 5x Club Carlson Points for your purchase.  To buy points, click here.

Buy 1000 Club Carlson Points

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March App-O-Rama Thoughts: Hawaiian Airlines (35,000 Miles), Discover It ($150 Cash Back), Barclays Arrival ($440 Cash Back), Chase Ink Bold Visa (50,000 UR Points), Citi AA Executive (100,000 Miles), and US Bank Olympics Flex Points ($400+ Travel Credit)

Which Credit Card

March App-O-Rama Thoughts: Hawaiian Airlines (35,000 Miles), Discover It ($150 Cash Back), Barclays Arrival ($440 Cash Back), Chase Ink Bold Visa (50,000 UR Points), Citi AA Executive (100,000 Miles), and US Bank Olympics Flex Points ($400+ Travel Credit)

Wow, what a title.  I expect my Google Search traffic to go through the roof now.  Anyways, my last app-o-rama was in early November (post), how I upgraded an AMEX Hilton HHonors to an AMEX Hilton HHonors Surpass (post), and my surprise approval of an AMEX Mercedes Benz Platinum card (post).  If you want to see which 19 cards I currently have open, check out this list.

Since I typically wait at least 3 months between App-O-Ramas, I am starting to plan for my next round of credit card applications.  Here is what is on my mind:

1 – Barclays Hawaiian Airlines Credit Card – 35,000 Hawaiian Airlines miles after spending $1,000 in 3 months

I’m not sure if this is a coincidence or if they were reading my mind, but I literally got this email 2 hours ago.  Unfortunately (for me), this card is no longer issued by Bank of America.  Barclays is now the credit card issuer.  Barclays has never approved me for a card, so I have approximately a 1% chance of be approved.

Hawaiian Airlines Credit Card Offer Barclays Hawaiian Airlines Card

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