US Bank Cash+ Category Changes

US Bank has a couple of credit cards that I’ve found useful.  I’d had their Club Carlson Visa and I got good value from Club Carlson points in Turkey a couple of years ago but since then the card had sat idle in my drawer.  Last year I changed to the Cash+ card.

Each quarter the US Bank Cash+ Card allows you to select the cash-back categories that best fit your needs.  There are three categories that are 2% cash back each quarter and you can select which categories you’d like for 5% cash back from a list.  While the 2%/5% categories max out at $1500 in purchases each quarter, you can get unlimited cash back at 1% for all purchases after the $1500 or for any unbonused categories.

When I recently downloaded my latest statement I noted this wording under the Important Messages heading:

Effective February 15, 2017 a new 5% Cash+ Category will be available: Ground Transportation featuring merchants such as Uber and Amtrak®.  Also effective February 15, 2017, the 5% Charity Category will no longer be available.

While that’s great for folks who use Uber and Amtrak, it defeats the main purpose I had for getting the card, namely charitable donations.  I’ve been blessed with a good income and like to give back and this was a real incentive to do so.

It’s a shame that US Bank is removing this category so I’ll be sure to bump up my giving for this quarter so it is completed before February 17.  I find the timing of this odd as it’s smack in the middle of the quarter, instead of waiting until quarter-end. We’ll have to see how they handle the selection of a new 5% category for those of us who’ll be losing this one

Does this category change negatively impact you?

Categories: Cash Plus, Credit Cards, US Bank | Tags: | Leave a comment

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