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

MaheshK 1,462 June 7, 2012 at 01:29 PM in Finance (2) More US Bank Deals
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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

712 Comments

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Joined May 2009
L7: Teacher
562 Reputation
#16
http://www.usbank.com/credit-card...=cashapply

"2. Card member must enroll each quarter into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories subject to change quarterly. U.S. Bank cannot control how merchants choose to classify their business (Purchase categories) and reserves the right to determine which Purchases qualify. Full details will be provided upon approval of an account."

Like to know what stores are under "electronics". Newegg? Amazon?

Not really tempting since there is no sign-up bonus points or cash. Last one I signed up for was Capital One which gave $100 back.
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Joined Mar 2011
L2: Beginner
27 Reputation
#17
Quote from aammiitt View Post :
So if I pay my other (American Express) card using "bill pay", is that 5%?
No. You can find more info in details next to each category. Bill paying is to pay utilities bill (phone/cellphone bills, internet services, electric....) or insurance (car, home..), just name a few.
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Joined May 2009
L7: Teacher
562 Reputation
#18
After digging around there is a $50 bonus if you spend $500 in 3 months through Facebook:

https://www.facebook.com/usbankca...5102528120

The 25% bonus for redeeming in $100 increments makes it 1.25% cashback vs 1.50% cashback on my Capital One. If they keep certain categories available each quarter like bill pay and electronics I could see myself using this.
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Joined Jul 2010
L5: Journeyman
447 Reputation
#19
Quote from grueber View Post :
http://www.usbank.com/credit-card...=cashapply

"2. Card member must enroll each quarter into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories subject to change quarterly. U.S. Bank cannot control how merchants choose to classify their business (Purchase categories) and reserves the right to determine which Purchases qualify. Full details will be provided upon approval of an account."

Like to know what stores are under "electronics". Newegg? Amazon?

Not really tempting since there is no sign-up bonus points or cash. Last one I signed up for was Capital One which gave $100 back.
Just a heads up, in the OP it mentions by signing up through Facebook there is a $50 cashback bonus. The link is in the OP as well.
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Joined May 2009
L7: Teacher
562 Reputation
#20
Went ahead and applied. If they keep bill pay and electronics as 5% categories it will be worth it. TU.
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Joined Sep 2004
L99: Lord of the Fart
#21
Liquor stores aren't a category and hookers don't take credit cards.
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Joined Jul 2010
L5: Journeyman
447 Reputation
#22
Quote from ape View Post :
Liquor stores aren't a category and hookers don't take credit cards.
But hookers sure can steal credit cards..... Learned this the hard way.
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Joined May 2009
L6: Expert
156 Reputation
#23
Quote from mooingmooseman View Post :
another stupid question-- I have historically never used a "categories" card, because I hate trying to remember which card has what categories as well as trying to figure out what category each location is.

i.e. I eat lunch at a deli, is it a fast food, restaurant, or grocery store? How do I even know AFTER I've made the charge, the transactions never even have the labels...
If you don't really want to play the category game then your best bet is to get a 3/2/1/ card.
Costco Amex True earning or Bank of America is top choice imo.

Now to answer your question, depends where the deli is located.

1) if the deli is a standalone restaurant. It is categories as restaurant. I never dealt with US bank so they have fast food & restaurant as 2 separate category is pretty stupid. Chase Freedom/Discover more just categorize fast food as restaurant.

2)if your deli is located inside a big grocery store & is associated with the grocery store, then most likely the deli charge will be categorized as "grocery or supermarket" depending on your location.

IE: I have a panda express located inside my Vons/Pavilion store, my Discover card categorized as supermarket since they are of the Vons.

Hope that helps bounceworship
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Joined Mar 2006
L7: Teacher
486 Reputation
#24
Emailed about converting my current card which I never use. Thanks OP!
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Joined May 2008
Oh, you can change this.
908 Reputation
#25
This would be awesome if amazon payments counts as bill pay.
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Joined Oct 2008
L3: Novice
108 Reputation
#26
Does anyone know if this credit card doubles the manufacturer's warranty, like many other cards?
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Joined Apr 2008
Veni, Vidi, Vici
56 Reputation
#27
Quote from BigDish View Post :
Does anyone know if this credit card doubles the manufacturer's warranty, like many other cards?
It's a Visa Signature. I believe it's a requirement for that card tier.
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#28
So, the issue is that these categories will not always be available, is that right? If I could always have home improvement selected then this would be slick.

I spend about $2k a month at home depot and only get 2% back with my citibank card.
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Joined Aug 2007
SD -Competitive Advantage
682 Reputation
#29
Quote from Toad_Killa View Post :
You can't really choose WHAT YOU WANT. They have Categorized the categories. E.g. There are 3 categories that fall under 2%. You are restricted to use only those 3 to use 2%. Similarly for 5% one. Groceries are in 2% bucket. You can't choose grocery stores as 5%. No Thankyou. Chase Freedom FTW.

Edit: Its pretty good for frequent Flyers. 5% on airlines and hotels.
Good info. Thanks. I'll stick with Chase and Discover for now then too.
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Joined Jan 2010
L6: Expert
108 Reputation
#30
Damn it... I wish I had seen this before I left and spent over $2k at home depot today..
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