Posted by William Charles on October 17, 2019
Credit Cards

Published on October 17th, 2019 | by William Charles

18

[Expired] [Targeted] U.S. Bank – Add An Authorized User & Get A $20 Bonus

Deal has expired, view more U.S. Bank deals by clicking here.

The Offer

No direct link to offer, sent out via e-mail. Subject line is ‘<name>, earn $20 cash back’

  • U.S. Bank is offering some cardholders a $20 bonus when they add an authorized user by November 15th, 2019

The Fine Print

  • No spend requirement
  • Must add authorized user by November 15th, 2019

Our Verdict

I’m actually not sure if U.S. Bank reports non spousal authorized users to credit bureaus or not. That’s really only important for people still worrying about their 5/24 status. Offer is great for everybody else as there is no minimum spend requirement, just have to add an authorized user and that’s it.

Hat tip to reader Denise & Chong786



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whodidntante
whodidntante

My Fidelity card which is also issued by Elan (US Bank) has the same targetted offer.

Midn02
Midn02

Same.

gato
gato

Same here

Novacat05
Novacat05

+1, got an email from Fidelity yesterday as well.

John
John

Nice and easy for those targeted. Wife and I each have the Cash+ and Altitude there, got it on her Cash+.

Miki
Miki

I thought AU dates are reported based on when account was opened, not when the AU was added?

In which case, if your USBank card was opened a while ago, it shouldn’t affect 5/24?

John
John

This is what I’m expecting, that it will be added to my credit report with an open date the same as the primary cardholder’s.

David
David

Good point. Can any one confirm this? Does it also mean that those Amex AU offer won’t impact 5/24 if the main card was opened 24 months ago?

Tony
Tony

For AMEX AU, here is my datapoint. Open Amex Gold 1 yr ago. Added my AU 5 months ago. His credit report says the Amex Gold is only 5 months old.
In other words, AMEX AU does NOT backdate in my experience.

Bambino
Bambino

Can someone please confirm this? P2 is at 4/24 and I’d like to keep it that way and get a free $20 if possible.

Joe
Joe

Whether US Bank require SSN# to add An Authorized User?
Thanks.

Scott
Scott

Log in to usbank.com and have the legal name, date of birth and Social Security number for each person you would like to add.

Ron
Ron

That’s no good if they are taking SSN as that person wont be eligible for new card account bonus I suppose right ?

SamL
SamL

Added 13 yo kid as AU.

Gadget 🕵️

Fido Elan Visa offered me the same thing yesterday via e-mail.

“Get the most out of your Fidelity® Rewards Visa Signature® Card this holiday season when you add an Authorized User¹ to your account by November 15, 2019.

You’ll earn 2,000 Bonus Points.²”

Giriraj
Giriraj

The T&C clearly asks for SSN and may report on AU’s report.

You agree to be responsible for all transactions the Authorized User makes on your account. An Authorized User will:
• Receive a credit card with their name on it.
• Not be responsible for the balance due.
• Have this account listed on their credit report as having the funds available for their use.
Authorized Users can request information on this account, such as but not limited to: current balance, payment due date and credit limit. Authorized Users can also perform certain maintenance functions on this account, such as but not limited to: activate a card, balance transfers, make a payment or remove their name from the account. Lastly, Authorized Users are not permitted to perform certain functions on this account, such as but not limited to: account closure, order a new card, or add a name on this account.

Giriraj
Giriraj

Myself & spouse both have this card, so I don’t think will be bothered of new account bonus but does this affect 24/5 rule ? as I had my spouse on most of my accounts in past as AU when applying new card Banks would say you have too many authorized does that really affect ?

DP
DP

Easy money…

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