You mentioned Walmart. Anyone who primarily shops at Walmart should have the US Bank Shoppers card. It offers 6% back on two categories quarterly (we choose Walmart and Amazon every quarter) and 3% on another category (we choose utilities). This gives us $540 back in the first year and $445 back every year after because of the fee that kicks in. This is all in addition to the signing bonus.
@@sinned96 USBank Shoppers has 6% on a long list of retailers including Walmart and Amazon and you pick any two. Their second category only has a choice of three and you choose one; those are utilities, gas or big box stores. These two categories max out at $1500 per quarter each but if maxed, that provides you an easy $540 per year.
@ the Shoppers card has two lists you choose from. The first list has about 24 retailers and you choose two. Those combined will give you the 6% cash back. The second list is only three options; gas, utilities, or Big Box stores. You choose one of these for 3% cash back. Both categories max out at $1500 per quarter for $6000 per year. So that’s $360 cash back on category one and $180 cash back on category two. Total is $540 cash back on just those two categories. Everything else is 1.5% cash back so if it’s your only card and you spent $20,000 per year on this card using the categories, you would get $840 cash back. Card will cost you $95 per year starting in your second year.
Strange I haven't paid fees in years because I pay my balances in full. My main spender is 3%,2%,1% between categories. The only underhanded thing that's almost got me was changes of due dates to try to force a balance that could experience interest.
My first goal for my collection of cards was to boost my score, now that it's up where I'm kinda happy with it I need to learn what rewards I have for each and how to use.
@@blkngwinn I have 5 total and I went from low 600 to 759. My original goal was to just get my score up not the rewards I don't travel so the only thing that would catch my eye was "cash back" I also had LOT less knowledge about credit cards when I started building up.
@@blkngwinn swore I replied to this already. When I started the rebuilding of my credit no I wasn't to worried about rewards sure I scanned of them but didn't pay much real attention to it. I don't travel so the only thing I somewhat watched out for was CashBack. Trans\Equifax happy it shows Excellent Fico always tricky .
Thank you for sharing this informations with us
You're very welcome!
Great video sir!!
Thank you and I hope you're doing well.
You make it fun to learn about the ups and downs of credit usage!
You mentioned Walmart. Anyone who primarily shops at Walmart should have the US Bank Shoppers card. It offers 6% back on two categories quarterly (we choose Walmart and Amazon every quarter) and 3% on another category (we choose utilities). This gives us $540 back in the first year and $445 back every year after because of the fee that kicks in. This is all in addition to the signing bonus.
What other categories do they have? I have the US Bank Cash Plus 5% on utilities and 5% on fast food is what I usually get
@@sinned96 USBank Shoppers has 6% on a long list of retailers including Walmart and Amazon and you pick any two. Their second category only has a choice of three and you choose one; those are utilities, gas or big box stores. These two categories max out at $1500 per quarter each but if maxed, that provides you an easy $540 per year.
@ the Shoppers card has two lists you choose from. The first list has about 24 retailers and you choose two. Those combined will give you the 6% cash back. The second list is only three options; gas, utilities, or Big Box stores. You choose one of these for 3% cash back. Both categories max out at $1500 per quarter for $6000 per year. So that’s $360 cash back on category one and $180 cash back on category two. Total is $540 cash back on just those two categories. Everything else is 1.5% cash back so if it’s your only card and you spent $20,000 per year on this card using the categories, you would get $840 cash back. Card will cost you $95 per year starting in your second year.
Strange I haven't paid fees in years because I pay my balances in full. My main spender is 3%,2%,1% between categories.
The only underhanded thing that's almost got me was changes of due dates to try to force a balance that could experience interest.
Thats the way it's supposed to fuckin be mate 😎😎
They tried with me 2
My first goal for my collection of cards was to boost my score, now that it's up where I'm kinda happy with it I need to learn what rewards I have for each and how to use.
So your goal was to be”kinda happy” with your score?
You didn’t know what rewards the cards had before applying for them?
Weird.
@@blkngwinn I have 5 total and I went from low 600 to 759. My original goal was to just get my score up not the rewards I don't travel so the only thing that would catch my eye was "cash back" I also had LOT less knowledge about credit cards when I started building up.
@@blkngwinn swore I replied to this already. When I started the rebuilding of my credit no I wasn't to worried about rewards sure I scanned of them but didn't pay much real attention to it. I don't travel so the only thing I somewhat watched out for was CashBack. Trans\Equifax happy it shows Excellent Fico always tricky .
If that happens to me I will cancel all my cards go bck to cash payment I'm not buying a house anyway 😅
Sure you will.😂