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US Bank Credit card Choose your own two 5% cash back categories (even for airticket)

MaheshK 1,232 1,784 June 7, 2012 at 01:29 PM in Finance (2) More US Bank Deals
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Last Edited by widgit June 7, 2012 at 06:28 PM
Found this interesting read from our deal friend @fueldude. From what I was told, you'll get a list each quarter to choose from for the 5%.
Can switch between the 2% categories quarterly as well.


Apply here: http://www.usbank.com/credit-card...ature.html
Categories available: https://cashplus.usbank.com/index.../demo/true

Finally a card that’s all cash that you control. The U.S. Bank Cash+ Visa Signature card lets you choose and change your 5% and 2% Cash+ Categories, plus you get 1% back on everything else - with no limit on how much you can earn.
Earn 5% cash back on two categories that you choose, like home improvement stores or airline tickets.1, 2
Earn 2% cash back on gas, groceries or drug stores – choose one.1, 2
Earn 1% cash back on everything else.
Get a $25 Cash+ Bonus each time you redeem $100 or more cash back in a single redemption.3
No Annual Fee

edit: Apply through their facebook page and get $50 signup bonus https://www.facebook.com/usbankcashplus
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Community Wiki

Last Edited by AMAF21 December 11, 2013 at 12:23 PM
New rules as of July 2013: You can't redeem for more than one $25 bonus gift card per calendar year, and you only get up to $2000@5% per quarter. This card is now almost down to being mediocre... barely any better than Chase Freedom or Discover More cards.

To check earning history or check the start date:

https://cashplus.usbank.com/index...unthistory

Check Application Status (Automated): 800-947-1444

*Categories subject to change quarterly. No limit on the amount of cash back earned.

https://cashplus.usbank.com/index.../demo/true shows the different categories that can be selected for the 5% and 2% options.

Existing customers of US BANK:

Called about a different card I've had over a decade with US Bank.
Casually asked about the Cash+. Rep said that I am already pre-approved for the Cash+; she commented that I would not need a new application or a credit pull if I converted my existing card to the Cash+. Further, said the account number might change but will not show as a new account in the credit report (i.e. the account history/duration stays).
So, if you have a US Bank card you don't use that often...you could just switch.

Direct link to $50 bonus app: http://www.usbank.com/facebookcash

NOTE: If you sign up for next quarters categories like a day or two before the start of that quarter DO NOT USE THE CARD with the expectation of CB BEFORE the 3 business day wait period as it will not be applied.
US BANK takes 3 business days to activate those categories for you. It is a special circumstance that is easily avoidable with all the time given to register, but in my experience my card arrived at 6/28 so my wait period crossed into the next quarter. As it turned out I got no bonus CB on an early purchase just the 1%.

See http://visa.via.infonow.net/locator/usa/supplier/ListLoadAction.do for an idea of how stores are classified.

Was told by USBank CSR they can tell you how a payee is categorized with the payee's name and address/zip, so call before you make the bonus selection or transaction.

The following do not count as any valid category so DON'T bother:
1SaleADay (5947)

Adorama (5969)
Allied / Nationwide - Homeowner insurance - Online - Home
Amazon (5942) book store
B&H (5969)
Buydig.com (5965)
Buy.com (5969)
Cameta Camera (counted as a "specialty store" wtf)
Microsoftstore.com
us.ncix.com
OutletPC (MCC 5045)
Overstock.com
Tigerdirect.com
SIMPLE Mobile Prepaid - Phone and Internet - Online - Home
DMV CA


[department store]
sears store but excluding sear.com

Confirmed 5% category merchants:
Best Buy (Electronics)
Fry's Electronics (Electronics)
NewEgg (Electronics)
Meritline (Electronics)
Home Depot (Home Improvement)
Lowes (Home Improvement)
HHgregg electronic store MCC 5732
Apple store (@ mall of Louisiana) electronic store MCC 5732
Tigerdirect.com via V.Me checkout (Electronics)
Buydig (on Ebay) via Paypal (Electronics)

Confirmed 2% drugstore merchants:
CVS
Duane Reade
Medco
drugstore.com
Rite Aid
Walgreens

Confirmed 5% Bill-pay Merchants:

Format: Merchant name - Description of the service - Online \ Phone - Home \ Business

Amica Mutual-Home/Auto Insurance- Online- Home
AllState - Homeowner insurance - Online - Home
AAA - Auto Insurance - Online - Home
AT&T - Phone and Internet - Online - Home \ Business
Boost Mobile - Pre-paid cell phone - Online (used "Auto Re-Boost") - Home
Comcast - Phone and Internet - Online - Home \ Business
Con Edison - Electricity - <Please add more info>
Cox - Cable - Online - Home
Direct TV - TV - <Please add more info>
Dish Network - TV - <Please add more info>
Dominion Virginia Power - Electricity - <Please add more info>
Erie Insurance - Auto/Home Insurance - Online - Home
Farmers Insurance - sign up for online bill pay and pay. (Farmers in CA bay area does not qualify as bill pay based on my personal experience and confirmed by USB CSR)
Frontier Communications - Phone and Internet - Phone - Business
Geico - Auto Insurance - Online - Home
Long Island Power Authority (LIPA) - Electricity - Online (Billeo off US Bank's web page) - Home
National Grid - Gas - Bill pay goes through Western Union - Home
NJM Insurance - Online - Auto and Homeowners paid via NJM.com
Nicor - Gas - <Please add more info>
Progressive Auto Insurance - via progressive.com, 5% for one time payment
PSE&G - Gas / Electricity - Online and Phone - Home
PG&E - Gas / Electricity Norcal - Works through their website it's called EZ Pay, $1.25 fee.
Safeco
Slomins - Heat service - Phone - Home
Sprint - Phone - Online - Home
State Farm - Via statefarm.com log in and payed
The Hartford - Insurance - <Please add more info>
Time Warner Cable - <Please add more info>
T-Mobile - Phone - Online - Home
USAA - Insurance - Online through them directly - Home
Verizon Wireless - Phone - Online - Home
Verizon.com Fios - TV, Phone and Internet - Online - Home
ViaTalk LLC - VoIP Phone - Online - Home
Washington Gas - Natural Gas - Online - Home

715 Comments

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#541
whoa... how did I miss this? holy cow. Finally a card with better CB than the Chase Freedom... and no annual fee.
(boo amex)
Reply Helpful Comment? 0 0
#542
I love this card, but lots of changes are coming. Top categories are going away (bill pay, airlines, home improvement), but they are adding bookstores, sporting goods and cell phone. The whopper though...only one $25 bonus per $100 redemption per year. There will also be a $2000 spend cap on the 5% category. I assume that amount is quarterly but I'm trying to find out.
Reply Helpful Comment? 0 0
#543
Quote from Kwongaroo View Post :
I love this card, but lots of changes are coming. Top categories are going away (bill pay, airlines, home improvement), but they are adding bookstores, sporting goods and cell phone. The whopper though...only one $25 bonus per $100 redemption per year. There will also be a $2000 spend cap on the 5% category. I assume that amount is quarterly but I'm trying to find out.
Total bait and switch. LAME MadMadMad
Reply Helpful Comment? 0 0
#544
Hopefully changes are only for new sign ups.
Reply Helpful Comment? 0 0
#545
Quote from Kwongaroo View Post :
I love this card, but lots of changes are coming. Top categories are going away (bill pay, airlines, home improvement), but they are adding bookstores, sporting goods and cell phone. The whopper though...only one $25 bonus per $100 redemption per year. There will also be a $2000 spend cap on the 5% category. I assume that amount is quarterly but I'm trying to find out.
I was thinking about applying for this card. Do you know if the chances will apply for existing members?
Reply Helpful Comment? 0 0
#546
Quote from Kwongaroo View Post :
I love this card, but lots of changes are coming. Top categories are going away (bill pay, airlines, home improvement), but they are adding bookstores, sporting goods and cell phone. The whopper though...only one $25 bonus per $100 redemption per year. There will also be a $2000 spend cap on the 5% category. I assume that amount is quarterly but I'm trying to find out.

Damn that sucks. Where did you hear this?
Reply Helpful Comment? 0 0
#547
I called them up. The CSR I talked to said that he hasn't heard of the $25 bonus per $100 redemption per year change, however, the categories are likely to change. YMMV
Reply Helpful Comment? 0 0

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#548
Quote from Kwongaroo View Post :
I love this card, but lots of changes are coming. Top categories are going away (bill pay, airlines, home improvement), but they are adding bookstores, sporting goods and cell phone. The whopper though...only one $25 bonus per $100 redemption per year. There will also be a $2000 spend cap on the 5% category. I assume that amount is quarterly but I'm trying to find out.
If they add bookstore, does that mean amazon would qualify for 5%?
Reply Helpful Comment? 0 0
#549
Quote from cbtexan04 View Post :
I called them up. The CSR I talked to said that he hasn't heard of the $25 bonus per $100 redemption per year change, however, the categories are likely to change. YMMV
Any word of whether chances will affect existing members? Thanks.
Reply Helpful Comment? 0 0
#550
Can I convert my US Bank College card to the Cash+? Ive had it for about 8 months now, first CC. I always pay the balance at the end of the month.
Reply Helpful Comment? 0 0
#551
Quote from Liquidus View Post :
I was thinking about applying for this card. Do you know if the chances will apply for existing members?
Yes, this will affect current cardholders.

Quote from Kwongaroo View Post :
I love this card, but lots of changes are coming. Top categories are going away (bill pay, airlines, home improvement), but they are adding bookstores, sporting goods and cell phone. The whopper though...only one $25 bonus per $100 redemption per year. There will also be a $2000 spend cap on the 5% category. I assume that amount is quarterly but I'm trying to find out.
$2000 in spending will be capped in the 5% categories QUARTERLY. After that, you are only eligible to earn 1% back.

Quote from cbtexan04 View Post :
I called them up. The CSR I talked to said that he hasn't heard of the $25 bonus per $100 redemption per year change, however, the categories are likely to change. YMMV
Yes, this is true. You will only be allowed on $25 bonus per year.


I work for US Bank and just got news of this the other day. I'm an avid user of this card and was disappointed to hear of it! Most of these changes won't take affect until after May so spend away!
Reply Helpful Comment? 0 0
Last edited by ISFBeast January 11, 2013 at 11:27 PM
#552
damn that sucks the billpay category is killer, i use it for my progressive car insurance, utility bill, and my at&t uverse.
Reply Helpful Comment? 0 0
#553
Signup requires going into a branch? Not one within 600 miles of my location.
Reply Helpful Comment? 0 0
#554
Quote from famewolf View Post :
Signup requires going into a branch? Not one within 600 miles of my location.
There was a backdoor to apply online, but that seems to have been fixed. Has anyone been able to apply by phone?
Reply Helpful Comment? 0 0
#555
Quote from miochza View Post :
There was a backdoor to apply online, but that seems to have been fixed. Has anyone been able to apply by phone?
CSR last night gave me a number to apply by phone. Said it shouldn't be a problem. I personally haven't tried yet because I just woke up and stil have a 'raspy voice' :p

That number was 800-947-1444. And he confirmed last night that they are open Saturday's.
Reply Helpful Comment? 0 0
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