Скачать или смотреть My personal credit card game: the US bank cards

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ayo, xenpuck here... another few weeks and yes i haven't run out of my own credit cards to rant about... and actually these days i'm finally getting to cards of mine that i use more and more. Today i've just got one institution to talk about and that's US Bank... do you guys know it? 'cause for such a generically named US bank i've actually never seen one of these in the wild... i literally only know this bank through their credit card offerings. and frankly... my impression so far is pretty good. it does remind me of how big this grand ole country really is, eh? that i've lived in a handful of states in the USA and could still somehow never even have heard of a bank named.. US Bank until i started messing with credit cards.... ok tangent aside, i have no idea how this place is as a bank, but as a credit card issuer, i've had enough years of experience to have a reasonable opinion. At the moment i only have two cards with them, though there's a pretty high probability that number will go up to 3 within a year or two. so i figured i'll talk about that potential as well

so, if you're intrigued by what i might say, please subscribe like and comment and share and all that social media buzzwords.... or whatever, 'cause i'm rich enough for me and will be great regardless


1. the first credit card i got from US bank is probably their oldest and most well know, the US bank cash plus card. this card's big claim to fame is basically they'll let you pick 2 5% cash back categories out of a specific list. and there's also a default 2% cash back category for generic spending like gas and groceries. i'm going to just ignore the efficacy of the 2% cash back category 'cause well honestly there's plenty of cards out there that'll give you a straight up 2% cash back on everything so that group is pretty moot. but the 5% categories, now that's a optimizers dream 'cause 5% on any category is generally as good as it's going to get in the current era. you have to physically choose the 5% categories every quarter so it's slightly a hassle. personally i just choose 5% back on streaming and home utilities, mainly 'cause these are the ones that other cards cover poorly. the main issue with this system though is that the list overall is very.. specific let's just say, i'll read the rest now. cell phone, fast food, furniture store, ground transportation, movie theatre, department store, clothing store, electronic store, sporting good store, gym... yeeah, why fast food instead of dining overall? why ground transportation instead of travel overall? and wow, movie theatre? gym? i mean, seriously how much money could anyone spend on these narrow categories on a monthly basises? i can't imagine it'd be more than 200 bucks for either of these... though of course, who am i kidding, i'm also not spending more than 200 bucks on either hoe utilities or streaming... so i guess that makes sense. i guess my main point is... if you do have spending on any of these categories that's fairly regular, and it's not in a category that's already covered by a different card that makes you jump through less hoops, then this card is appropriate for you as it is for me. helps that it has no annual fee of course. so i'll keep it forever, even if i one day might change a 5% category to movie theatre just to cover those monthly film outings, ha

2. the next card that i got from US bank is their first Altitude card, called Altitude Go. i say first 'cause since i've gotten it now there's also the altitude connect and altitude reserve... i like the naming convention, 'cause altitude sounds fancy... but honestly i'm not sure whether that fits this card initially 'cause this first altitude card is actually the only one out of the 3 i just named that has no annual fee. it has no foreign transaction fee either. so that's a nice perk. and frankly this card is just... really decent. it has the same 2% cash back on generic spending like gas and groceries just like the cash plus. so ignore that benefit for same reason as i already mentioned. but it's kicker is it also has 4% back on dining that's fairly broadly defined. they mention specifically it covers take out and delivery. i mean seriously i'd just say, if the vendor codes as a restaurant you're good. so 4% on dining is the highest you can find anywhere in the world of credit cards...