U.S. Bank Credit Card Reviews
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Title: Credit Cards
Date Reviewed: 2017-04-18 13:03:10 | Recommended?: Yes
Review: All credit cards are not working good for my personal use. It was not supposed ask my review for the facts that all credit cards are just my stupid business that are not good.
Title: No Frills Card
Date Reviewed: 2016-10-14 07:34:50 | Recommended?: No
Review: I had this card a while back and i remember that it was nothing fancy. It took forever to earn points and then those points did not really get any great reward. I was quite surprised to be honest. If i remember correctly, it took 1000 points to get a $5 gift card to a store. To me that isn't even nearly worth the hassle. There are much better cards out there with easier ways to earn rewards.
Title: Perks Aren't Worth It
Date Reviewed: 2016-10-11 10:03:14 | Recommended?: No
Review: I've had this card for about a year now and it's taken me a long time to accumulate the points on it. I found out that 1000 points only gets you $5 off at your local kroger store. Only getting a small amount off doesn't seem worth it to me. I've also had an issue with sending money through western union using the card. Apparently, they considered it to be a cash advance purchase and i was charged another $20. I don't think i'll be holding onto this card much longer.
Title: Good Card To Earn Cash Or Gear
Date Reviewed: 2015-07-17 15:29:33 | Recommended?: Yes
Review: I've had this card for several years and have nothing but good things to say about u. S. Bank's customer service. The reps have always been very pleasant, professional, and courteous. This card was a visa until just a couple months ago and then changed to mastercard, and that works for me because my sam's club doesn't accept visa credit cards. Paying online is easy, but i wish the website would immediately show pending payments like a few of my other card issuers do. My rewards for a year come late in the first quarter of the next year and are added to my rei dividend check. Highly recommended all around, and a no-brainer for rei members who like to score new gear (or cash. )
Title: US BANK FlexPerks Travel Rewards Visa Signature
Date Reviewed: 2015-02-12 16:54:17 | Recommended?: Yes
Review: A different route to this card. Did a product change from a us bank cash+ visa signature due to the major reduction in categories that fit my spending pattern. Generally, i do not have annual fee (af) cards in my portfolio but, this card did fit my travel needs with an af of $49 for a lot of benefits. Many travel, hotel and airline cards af's run $89 to $500 annually so unless you really travel a lot the rewards are hard pressed to offset the cost of the af. Looking forward to seeing the results. Fico score is 818 with 13. 9% apr.
Title: WOW! Approved And WOW!!!
Date Reviewed: 2014-01-07 12:08:04 | Recommended?: Yes
Review: I had recieved a pre approval in the mail for this card, and i shop kroger quite frequently, the rewards seemed to be top notch! I applied on friday and didnt recieve and instant decision, so today i get an email my application has been approved, but no other information was available, i called into customer service to inquire about the terms and limit, i was approved for a credit line of $17,000. 00 with a promotional apr of 0% for nine months then and apr of 18. 99% after. They pulled my transunion 04 classic score, which came back at 748! Us bank rocks! This will be my go to card for fuel and groceries! Just blown away by the credit line!
Title: Harley Davidson
Date Reviewed: 2013-10-26 08:36:25 | Recommended?: Yes
Review: I receive my harley-davidson signature credit with a credit line of $6. 500
Title: The Rewards Are Just Ok...
Date Reviewed: 2013-10-01 14:13:54 | Recommended?: Yes
Review: If you have a harley davidson and you spend money at the dealer, apply for this card. The "chrome cash" rewards you get come in $25 increments and are only good for 6 months. No other type rewards are offered at this time so if you're into buying harley gear, then it's worth it.... Otherwise, you can get better cash back or rewards with discover or american express and even venture from capital one and you're not just stuck with buying at the harley dealer... Because that's the only place you can use the chrome cash certificates. This card is offered by us bank and their customer service is excellent.
Title: Uhm....ok?
Date Reviewed: 2013-09-12 20:43:31 | Recommended?: Yes
Review: I got a letter in the mail today saying i was approved for this platinum card along with a welcome packet along with the card because of my "excellent account history" with them. I have had an auto loan with them for about 6 months now. Cl is only $1,100. My lowest cl. (my credit union credit card cl is $15,000). I guess i'll keep it. I didnt have to apply or anything so doesn't hurt to have it. I do like us bank so far i an excellent rate on my auto loan. (1. 89% apr). My experian score is around 709 equifax is 701.
Title: Great Green
Date Reviewed: 2013-03-09 00:13:40 | Recommended?: Yes
Review: My experience is quiet limited, however i have enjoyed using nr. Green.
Title: Bankamericard Visa 1 2 3 Rewards
Date Reviewed: 2013-03-07 20:43:23 | Recommended?: Yes
Review: Applied online and approved instantly for $5k. Not sure which score was pulled, but they were all in the 700-725 range with only 20k income. 12 months at 0% including balance transfers, which is why i applied. $100 bonus when spending $500 within first 3 months. (done :) ) $100 bonus was credited at first statements closing. The only negative points are that i received the signature visa, which does not report the credit limit, so my utilization didn't go way down as i had hoped... And i wasn't able to make a payment online until my first statement came through. There is a 10% bonus on your rewards if you have your cash back deposited to a boa account.
Title: U.S. Bank Cash+ Visa Signature Card
Date Reviewed: 2013-01-28 16:42:10 | Recommended?: Yes
Review: Wow! Became a us bank customer and the personal banker submitted an application for me. Was approved with a 13. 99% purchase apr and 23. 99% cash apr and a no pre-set spending limit and no af and a score 779. No promo for a bt. Card has 5%, 2% and 1% rewards categories and the cardholder determines what categories they want every calendar quarter. Requested cli after twelve months and it was approved with a soft pull.
Title: This Is Different....
Date Reviewed: 2013-01-01 15:02:51 | Recommended?: Yes
Review: My mom received an application to apply in the mail and being she needs some work done on her house she decided to take advantage of the 0 percent interest for 15 months. The online application did give an option for a joint application, something i didnt know credit card companies did anymore. So being she needed as large of a line needed as possible i decided to be a joint applicant. We were approved for $4,000. Not that high considering she has fico scores in the 800's and mine is around 700. I guess lenders are willing to give out credit to those who deserve it now days but at restrictive amounts. I have never had anything with this bank before so well see how it goes. Just applied last night so no experience on anything as of yet.
Title: Low Credit Limit
Date Reviewed: 2012-07-25 23:58:14 | Recommended?: Yes
Review: I applied for the card on the kroger website. Us bank approved the card, however.. If the cards credit limit doesn't grow it's gone. I was approved for a 500 limit which by far sucks in comparison to my 15k chase credit limit or my 20k nfcu credit line. Score was 756 at time of decision, no lates, no collections, nothing derogatory.
Title: Approved
Date Reviewed: 2012-07-06 00:31:27 | Recommended?: Yes
Review: I applied for this card and was approved for only a $500. 00 credit limit. Not sure the reason for this, but in 6 months i'm going to ask them to up it. At least there's no annual fee which is a big plus.
Title: DENIED
Date Reviewed: 2012-02-29 22:22:48 | Recommended?: Yes
Review: Denied for this one as well too many inquiries and too much debt.
Title: Replacement Card
Date Reviewed: 2011-08-16 23:51:43 | Recommended?: Yes
Review: Well i had to ditch one of my old credit cards because the issuer decided to start charging an annual phee. Since i already had a reward credit card i decide to try for a couple low interest rate cards but got rejected by a major issuer as well as a small independent bank. Later on that year i was buying gear for my camping trip at rei and saw that they had a card. Every year i spend at least a couple hundred dollars at rei and was already a member so i figure this card would be good for me at least to show off to my backpacking friends. I applied on line and got approved but they kept on suspending my application because they didn't believe it was me. Then when i finally got the card they called a week later telling me the account number had been stolen, made me answer more security questions and then issue a new card to me.
Title: Great Bank
Date Reviewed: 2011-03-18 05:33:54 | Recommended?: Yes
Review: Well have had them as a bank for some time but no cc, so decided to apply and was approved. Cli for the card is $4000 not sure what other promotions are coming with it. My fico is 740 with trans union, not sure what they pulled will have to find out. They have been a great bank but never needed a cc with them. I think it will be 0% for 6 months.
Title: Shop Often This Is A Card
Date Reviewed: 2010-08-15 12:05:47 | Recommended?: Yes
Review: I got this card when hsbc, quit servicing them, thank god, us bank is so much better, it comes in either visa siggy or platinum and the cl are generous! I have 22k on this baby, card is actually not bad lookiing compared to the old one, plus you get all the perks of a signature visa.
Title: Non Resident
Date Reviewed: 2010-06-27 21:42:28 | Recommended?: No
Review: Applied for this card and was denied due to non-resident?? Funny, thought most bank cards were out of town, why should this one be any different? Also, took about three weeks for decision, imagine that!!
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