I received a call on Friday from my bank. I had gotten a letter this past week about fees going on my US Bank accounts for about $12 per month. The rep called me and told me that I wouldn't be charged because of all the different products that I have with the bank. She also started talking to me about a credit card through US Bank. I asked a couple questions and got off the phone with her.
I was thinking about what she said so I called my banker. I have one banker that I always work and he is great. He told me that I was eligible for a credit card that earned points, 1 1/2 points for every dollar spent and double points for certain things like gas or cell phone bill. He also said that I could pay my credit card with a simple transfer from my checking account to the credit card because they are all with US Bank. I did go ahead and apply for a new card with US Bank.
I currently have a cash back credit card that I like but its one point for every dollar spent. I will be earning 50% more with this card. If I could figure out a way to use this like our debit card, I would charge everything on it. By that, I mean that I want to make sure that we have the money when the bill comes due. If I could efficiently track my purchases and know that I have the money, I could just pay if off then.