US Bank

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How to book US Bank Club Carlson e-cert free nights (it may be harder than you think)

Club Carlson e-cert

The Club Carlson Premier Rewards Visa and its business card twin used to be among my favorite cards.  In fact, I have one of each, and my wife has the personal card.  Until May of this year, the cards offered a wonderfully generous benefit called Bonus Award Nights: book two or more nights with points and get the last night free.  This meant that two night stays cost the same as one night stays (since…

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US Bank business card employee spend does not count towards spend requirements

Consider this a public service announcement… A reader reports that she did not earn the full signup bonus from the US Bank Club Carlson Business Rewards Visa card because she attempted to meet part of the minimum spend requirement through spend on an employee card.  Specifically, the signup offer for the card she applied for was (and still is at the time of this writing): 50,000 points after first purchase plus an additional 35,000 points…

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Some online Serve credit loads now posting as cash advances

Note: On January 8, 2016 American Express sent out a notice to a large number of Bluebird & Serve cardholders informing them that loading capabilities on their accounts had been terminated. For more information, see: Amex kills Bluebird and Serve for manufactured spend I posted earlier today that US Bank has started charging cash advance fees for Serve online credit loads.  In response, several people informed me that the same is true for Citibank.  In fact,…

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Serve no longer safe with US Bank?

Developing story… Earlier this month, there was panic about Serve apparently charging cash advance fees for online credit card loads.  It turned out to be a false alarm.  See: Serve is safe. Now, though, there is some evidence that US Bank is charging cash advance fees.  Here are recent reader comments: Linda writes: Just an FYI – I am new to all this so I might be missing something, but I used my and my…

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Best small business cards with annual fees

Update: Many of the benefits and bonuses listed below have expired and/or changed since 2013. Please see our Best Offers page for current best offers. In June, I wrote “Best no-fee small business cards.”  My intent was to quickly round this out with additional posts: Best small business cards with annual fees (this post) Best no-fee personal cards Best personal cards with annual fees Well, it’s been over three months so I’ve failed on the…

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Best no-fee small business cards

Recently, Personal Finance Digest posted a summary of American Express’ no-fee business cards (see “Amex’s no-fee business cards have some good deals for consumers“).  He posted the following table that does indeed show good returns on spend from these cards: The first thing I did after seeing this post was update my page showing “Best rewards for everyday spend.”  I previously had no idea that the Amex Blue for Business card earned a 30% bonus…

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Million Mile Madness, Credit card planning: US Bank and others

Background: Early in January, I introduced the idea of challenging myself (and anyone foolish enough to join me) to earn a million points in one month. So, starting March 1, I’ll do everything I can to earn as many points as I can while keeping within my ethical boundaries. As a reminder, I don’t expect that a million points will have been credited to my account by March 31st: points often take quite a while…

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Cash+ comes down to earth

U.S. Bank’s Cash+ card was too good.  Changes are coming.  I’ve written before about U.S. Bank’s excellent new Cash+ card.  For example: The best cash back card? Cash+ Experiments in Progress Cash+ Update In those posts, I wrote that the Cash+ card was probably the best cash back card available.  The reason I was excited about this card was for its stackable cash back benefits: Every quarter, US Bank lets the cardholder choose one 2%…

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Which Cash+ categories should I choose?

I’ve mentioned before that U.S. Bank’s Cash+ card may just be the best cash back card there is.  U.S. Bank allows cardholders to choose two 5% cash back categories from a long list, and one 2% cash back category among gas stations, grocery stores, and drug stores.  All other purchases earn 1%. Where things get really interesting is that there are multiple ways to easily increase your earnings with this card.  First, by opening a…

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