Do you have a link to that offer? I just applied for the card last Saturday and haven't even received it yet. I'm going to try to get them to match the offer.

A link? No to criticize, but how did you submit your application? This has been the standard publicly available offer on the US Bank webpage for several months.

https://www.usbank.com/credit-cards/...ress-card.html

The page that you provided very clearly indicates the offer is 20 000 FlexPerks after spending $3500 in four months.

The person above indicated an offer to earn 20 000 FlexPerks after spending $500 in three months/90 days. Unless I'm mistaken, the latter is a much better offer than the former due to its lower requirements.

The 20,000 points for $500 spend is a targeted offer on the Amex. To see if you are targeted, the easiest way is to usbank.com, go to the credit card & prepaid cards tab at the top and then from the drop-down menu choose "Find My Card Offers" which should be the second one down. You will then need to enter you personal information and if there are any targeted offers you will see them. Some of the targeted offers I have seen are:

• US Bank Flexperks Travel Rewards Amex, 20,000 bonus points with $500 spend in 90 days, $49 annual fee waived first year
• Flexperks Visa Signature, 20,000 bonus points with $500 spend in 90 days, $49 annual fee waived first year
• No Annual Fee Flexperks Amex, 10,000 bonus points with $500 spend

Hope this helps some of you.

Thanks so much! I spoke with one representative, and they told me that it wouldn't be possible to get the better offer applied, but I'm currently chatting with one online to see what I can do. Interestingly, the phone rep told me that I could apply for the offer again and get 40 000 FlexPerks (she explicitly told me 40 000), but I don't think I'd be able to get approved at this point.

I chatted with a rep yesterday, and he told me that there wouldn't be a direct way to get the better offer, but there was a "workaround" (his word). I could apply for the newer offer and then call in to have it all sorted out, at which point US Bank would close my first account and issue out a new card (because my first one was already in the mail). The rep assured me that it wouldn't affect my credit score. I did so, and I'm all set.

What's really interesting to me is that the phone representative confirmed that the same credit report was used for the new application, despite the fact that I submitted the original one last Saturday (20 June) and the new one yesterday (24 June). It sounds like a way to possibly combine inquiries.

Just saw your question. It is as Joe1690 said: got the better offer on Card Match. Sorry, should have been more clear

I am probably a pessimist, but that "workaround" sounds fraught with bad possibilities with little upside. The credit inquiries will with almost 100% certainty not combined, as they fall on different dates. And in the process of closing/opening an account, you might end up with two new accounts on your credit report, really killing the AAoA!

Oh, hell yeah, I completely understand and was quite hesitant to do so too. However, when I had initially applied last week, I got notification from Credit Karma as well as Credit Sesame that I had a new inquiry (Experian and TransUnion), and I didn't when I made the new application Wednesday. I also made sure to save a copy of the chat log that I had with the representative, where he said very explicitly that there would be no hard pull on my credit score, so I could've disputed it if I needed to. The phone rep that I spoke with yesterday also confirmed as much.

The thing is that the phone rep told me they used the same report, not that the inquiries would be combined. I know that when similar inquiries are made on the same day they're combined by the credit bureau. However, the difference seemed to be that US Bank simply didn't make another inquiry; they reused the same report.

And regarding my AAoA, it's already pretty shot, so I don't care that much about it. If it meant that I could get 40 000 FlexPerk points, I'd have been cool with that :).

If anyone else tries to attempt this, I would make sure that you get written confirmation that there wouldn't be a new inquiry; it is a bit risky despite my success.

Does anyone have recent experience with US Bank reconsideration? I just applied for this card, called in, was told it was denied by the system but the rep didn't know why. She said she would pass it on to a credit analyst and I could call back Monday or Tuesday for an update, but I couldn't discuss it any more with her. I was wondering if anyone has any idea what my chances are or if there's any way for me to speak directly with a credit analyst (or if that would even help)?

Nice! I think that 40 K is the best sign-up bonus that anyone has ever gotten for a Flex Perks card :-) What is your required spent?

Sorry, I was a bit ambiguous in my last message. I meant that if u were approved for two of the same card, I could get a total of 40 000 points, 20 000 from each. I now only have one card, with the 20 000 point offer after $500 in spend. Sorry for the confusion.

I have a flex perks American airline flight in a few days. On the day of the flight, do I just call American airlines and buy a gift card from them, using my Flex Perks credit cards? Or I have to do that at the airport somewhere?

I usually just purchase a 50 dollar card online and they reimburse 25 dollars when I call.

As an update, my $25 travel credit was applied to my account last week. 4-6 weeks seems about right.