US Bank

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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

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 “quickly” part of my intent, but better late than never… In my prior post, I found that the no-fee Chase Ink Classic and Ink Cash…

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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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Cash+ Experiments in Progress

I recently signed up for the US Bank Cash+ credit card.  The card is free, and it is very likely the best cash back card there is (see “The best cash back card?“).  I know that a lot of my readers care only for points & miles, not cash back, but I believe that’s a sub-optimal view.  Even if you value miles above cash, you can often end up with many more miles by getting…

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The best cash back card?

I don’t usually get excited about cash back credit cards.  I prefer to earn points and miles that can be used for first class travel around the world.  No matter how much cash I earn from credit cards, I can’t imagine ever spending $10,000 or more for an international first class flight, but I’ll gladly spend 135K miles or more.  That being said, cash is the right solution for most other things, so if a…

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