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

MaheshK 1,235 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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#631
Quote from TXhippiechick View Post :
I did the same as you,prepaid all my bills on the 28th.
Now when I log into US Bank,all of the bills I paid are dated April 1.
Waiting to see if I'm going to get my rewards...
Mine purchases posted on April 1st as well and I called in and they said I would get the 5%.
Reply Helpful Comment? 0 0
#632
The big question is are we getting 5% on amazon...
Reply Helpful Comment? 0 0
#633
Yes. Confirmed
Reply Helpful Comment? 0 0
#634
Apply in Branch Only????
Reply Helpful Comment? 0 0
#635
is anything at amazon really yielding 5%? they have the gift card mall so it is a better substitute to lowes because it can be delivered
Reply Helpful Comment? 0 0
#636
How stringent are the credit requirements for this card? What scores are getting approved? Is this generally better than the citi/discover/chase 5% cashbacks?

Thanks!
Reply Helpful Comment? 0 0
#637
I plan to purchase $5000 airline tickets for my family's international travel in the next 2 weeks. Is this deal still available for airline tickets?
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#638
Quote from PMisYMMV View Post :
I plan to purchase $5000 airline tickets for my family's international travel in the next 2 weeks. Is this deal still available for airline tickets?
No. Airfare was removed as a catergory.
Reply Helpful Comment? 0 0
#639
Quote from provicemo View Post :
No. Airfare was removed as a catergory.
Thank you for prompt response and saving a check on my credit, if we were to signup expecting it.

Quote from PMisYMMV View Post :
Thank you for prompt response and saving a check on my credit, if we were to signup expecting it.
I am looking for best card for airfare, are you guys aware of best card to use for airfare for either cashback or insurance or any additional benefits than simply using a random card.
Reply Helpful Comment? 0 0
Last edited by freeforlife April 17, 2013 at 08:33 AM
#640
Quote from PMisYMMV View Post :
Thank you for prompt response and saving a check on my credit, if we were to signup expecting it.


I am looking for best card for airfare, are you guys aware of best card to use for airfare for either cashback or insurance or any additional benefits than simply using a random card.
Amex premier gold gives 3x on airfare but the bonus is only 25k right now. Your best bet is to sign up for one or two new cards with good initial bonuses and charge the 5000 to them. The united card currently has a good offer but it depends on what kind of points you want.
Reply Helpful Comment? 0 0
#641
does the $25 cashback bonus end on May 1st? Can someone please let me know asap so I can claim the multiple $100 rewards before it's too late.

Thanks
Reply Helpful Comment? 0 0
#642
I have not received any correspondence over any changes so, I wouldn't worry about it
Reply Helpful Comment? 0 0
#643
Quote from lowspeed View Post :
The big question is are we getting 5% on amazon...
Which category would that be?
Reply Helpful Comment? 0 0
#644
Inside my May statement:

Important notice regarding your U.S.Bank Cash+TM Visa Signature Card. Effective July 1, 2013, all single redemptions of $100 or more made on or after 7/1/2013 will now be limited to one $25 Cash+ Bonus per calendar year.(January 1 - December 31). Prior to 7/1/2013, all single redemptions of $100 or more will continue to receive the $25 Cash+ Bonus. Please call us with any questions 24/7 at 1-800-285-8585.

It was nice while we had it.
Reply Helpful Comment? 0 0
#645
Quote from frankieyale View Post :
Which category would that be?
Kindle or books.

Whatever it is.
Reply Helpful Comment? 0 0
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