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

MaheshK 1,241 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:


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)
OutletPC (MCC 5045)
SIMPLE Mobile Prepaid - Phone and Internet - Online - Home

[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:
Duane Reade
Rite Aid

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.
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


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Quote from iBoo View Post :
the way I see it,

fast food = self service. you wait in line, order at the register, wait for food, pick up food as togo or for here (at the fastfood location) and you bring your food to a designated table you choose. you clean up after yourself ( your fked up if you dont )

restaurant = you are seated to a table, a waiter arrives at your table and takes your order and then delivers your table. you eat, and then leave without cleaning up after yourself
some fancy restaurants (>$100 tasting menus) I went to were coded as fast food, so be careful
Reply Helpful Comment? 0 0
Quote from kurrypie View Post :
some fancy restaurants (>$100 tasting menus) I went to were coded as fast food, so be careful
lmao bounce
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Quote from kurrypie View Post :
some fancy restaurants (>$100 tasting menus) I went to were coded as fast food, so be careful
I had a couple that were coded wrong by "Visa Inc" they told me.

Oh well...97% were coded correct.
Reply Helpful Comment? 0 0
Are Kmart and Target considered Department Stores?
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Quote from jheine2 View Post :
anyway to tell for sure if purchases from amazon.com count??????????
Make a purchase and see the next statement????????
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Quote from Ashvins View Post :
Make a purchase and see the next statement????????

How will you see?
Reply Helpful Comment? 0 0
Quote from cykj View Post :

Verizon Wireless - one time payment
Verizon Fios (TV/Internet) - one time payment (specifically labeled on on description as "onetimepay")
Dominion Virginia Power
So Verizon Fios works under the 5% Cellphone category?
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Quote from lowspeed View Post :
How will you see?

You can go to rewards center once it's posted and if it's considered to be in the 5/2% awards categories, you'll have an extra line in there (with the 4/1% extra awards cash amount listed)
Reply Helpful Comment? 0 0
Quote from alvinmathew88 View Post :
So Verizon Fios works under the 5% Cellphone category?
We'll find out but if anything it seems that for my own bills (looking at the 2012 summary) all my verizon bills (both fios and wireless) got categorized under cable and internet...
Reply Helpful Comment? 0 0
Hmmm, the sporting goods category includes places that sell guns like cabelas. Anybody know how localgun shops are normally coded? 5% on guns and ammo purchase would take some of the sting out of the high prices out their today.
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Just made a big-a$$ payment on all my insurance premiums before bill pay/utilities goes away.
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Quote from jheine2 View Post :
anyway to tell for sure if purchases from amazon.com count??????????
Amazon does not count for electronics.

For the crappy new category "bookstores" it only applies to Amazon kindle purchases.
Reply Helpful Comment? 0 0
I hate that I didn't get this card when it first was posted here, but I'm glad that I didn't get it recently. It's now turned into a box of nothing. Maybe if I see that they will bring the Billpay category back I might get it.
Reply Helpful Comment? 0 0
With Billpay and Home Improvement gone, what is the best Visa Signature card in your opinion now? I like the Signature cards for the extended warranty services and whatnot, but I am searching for the best free option with the best rewards and no yearly fee.
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Quote from gassyjoe View Post :
...Also it won't be 6.25% since the bonus $25 per $100 redeemed is being limited to once per calendar year as well.
Where has this been posted? I cannot find this restriction anywhere. Not in their FAQ, etc. TIA.
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