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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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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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#46
Quote from tommyvelocity View Post :
Nobody noticed that the flight redemption is pretty good?

@20k points, one can get up to $400 airfare... that used to be pretty good for the old Citi Amex before they changed the terms. But not as good as the 90K points for business class airfare up to $2700.
Hmm.. so basically the SAME as ther FlexPerks Travel Rewards card - minus the 90$ annual fee? Hmmm.. I think I am gonna switch to this card.

Thanks!
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#47
Does anyone know if "Rentals" category falls in 5% or 2% or neither?
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#48
Does anyone know whether this card has no foreign transaction fees when you use your card on purchases made outside the United States?

I have a Chase Sapphire Preferred card, which has no foreign transaction fees.

Thanks!
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#49
Quote from rbraden View Post :
This may turn out to be decent, but I'm not interested. First, if you have good credit, you shouldn't even be looking at a card that doesn't pay you $200-$250 or more just to sign up.
Agree. Been watching SD, but are there any deals like this nowadays?

Quote from rbraden View Post :
Second, until we have several concrete examples of how the categories work, you really have no idea how good of a deal it will be. Between my BofA cash reqards card and Chase Freedom (both of which I got $250 immediately to open), I get 5% or groceries right now and 3% on gas. Adding substantially to what those cards offer is going to be hard.
Agree on that point. Only so many cards you can really go for and track over time, so need to be selective.
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#50
Quote from tommyvelocity View Post :
Nobody noticed that the flight redemption is pretty good?

@20k points, one can get up to $400 airfare... that used to be pretty good for the old Citi Amex before they changed the terms. But not as good as the 90K points for business class airfare up to $2700.
Where did you find this info? I don't see anything about points, just cash back.
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#51
Quote from dealalert00 View Post :
Agree. Been watching SD, but are there any deals like this nowadays?


Agree on that point. Only so many cards you can really go for and track over time, so need to be selective.

I am Totally Taken by this offer .. i need to see some solid examples or cust serv rep " quotations / conversations perhaps " this cannot be so easy... in a way this card is Ready to be Abused if once qualifies and gets approved.... heck il take all the million points cash em from chase and citi and junk the cards .. and abuse this one...

especially for business customers like us we KNOW what Category * expenses we have coming up.. are you telling me this card is Next for Abuse on cash back ? Confused

do we know if we have to keep changing categories every quarter or can we keep them SET on one ? or two things ? between gas for 4 cars , bill pay for the entire office expense and a hefty chunk of donation every year... this would earn me couple of grand in just Rewards.. i really doubt it would be that easy....shake head
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#52
Quote from sranganatha7 View Post :
I've been looking for something and thought of going for costco + amex.. but this looks great to me..

1 thing thats a bit of cocern is - do they include Amazon, fry etc as electronics..

But anyway repped, thanks for sharing friend
I have the Costco AMEX and the Chase Freedom VISA. Its worked out great for me and I highly recommend it. The categories are different a lot, every place doesn't accept amex, and i love costco. A combo of this us bank card and amex would probably work out great too. I do like the redemption availability for chase freedom better than the once a year for costco amex.
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#53
Quote from jmorrow28 View Post :
I have the Costco AMEX and the Chase Freedom VISA. Its worked out great for me and I highly recommend it. The categories are different a lot, every place doesn't accept amex, and i love costco. A combo of this us bank card and amex would probably work out great too. I do like the redemption availability for chase freedom better than the once a year for costco amex.
Same here and amen on monthly redemption of freedom vs Costco Amex!! I find myself using freedom more for 1% cash back for this reason
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#54
Quote from twodayslate View Post :
Where does Amazon/Newegg fall under?

I think I am just going to pay my Citi card off with this for 5% cash back

Can you bill pay a credit card with another credit card?!?!?!
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#55
Quote from Parachute07 View Post :
I know there is no magical answer to this question........but does anyone know about where the low-end cutoff might be credit-score-wise? About how low would be low enough not to bother?
My credit score is right under 800 but US Bank denied my application within the year, I have about 18 credit cards which I think is the reason. Also, never had any relationship with US Bank in the past. Couldn't resist applying for this one, no instant decision, I expect a denial again. Big Grin
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#56
anyone know if DELL would fall under any of these categories?

or amazon?
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#57
Quote from TotalPower View Post :
Well at least in PA, liquor is not sold in grocery stores and instead in special state run stores.
Omg this explains SO much. My friends and I were traveling across various supermarkets, CVS, 7/11 and couldnt find alcohol anywhere!
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#58
I like Amex Preferred Blue, 6% on groceries, and in grocery stores, we can purchase gift cards for many other stores. It is a bit painful, but if you are not an instant shopper and you buy things when you need, you can arrange to get your gift cards first from grocery stores. Chase Freedom, regular BofA visa, Discover, and regular Citi also comes handy in situations with their 5% and some other promotions. What I love about this new US Bank card is that you can plan and choose (from only couple of months before) and get 5% on your travel (Air and Hotel), not that you are limited to the quarter that Discover or Citi offers that. Only two things are missing here, one is the 5% quarterly that Citi has had last couple of years on Health, Dental, Fitness Clubs, Prescription purchases. And the other one is the 5% on Amazon which Freedom had recently. I wish these were also among the US Bank choices. But overall great card. Understand it doesn't come with initial big sign-in bonus. As for travel, still some limited gift cards are sold in grocery stores for airlines and hotels too. Well, no deal can beat Amex Preferred Blue in absolute terms but many come close Wink
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#59
+1 thanks.
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#60
Quote from Al Green View Post :
I like Amex Preferred Blue, 6% on groceries, and in grocery stores, we can purchase gift cards for many other stores. It is a bit painful, but if you are not an instant shopper and you buy things when you need, you can arrange to get your gift cards first from grocery stores. Chase Freedom, regular BofA visa, Discover, and regular Citi also comes handy in situations with their 5% and some other promotions. What I love about this new US Bank card is that you can plan and choose (from only couple of months before) and get 5% on your travel (Air and Hotel), not that you are limited to the quarter that Discover or Citi offers that. Only two things are missing here, one is the 5% quarterly that Citi has had last couple of years on Health, Dental, Fitness Clubs, Prescription purchases. And the other one is the 5% on Amazon which Freedom had recently. I wish these were also among the US Bank choices. But overall great card. Understand it doesn't come with initial big sign-in bonus. As for travel, still some limited gift cards are sold in grocery stores for airlines and hotels too. Well, no deal can beat Amex Preferred Blue in absolute terms but many come close Wink
i recently almost applied for amex blue just for the 6%. But the $90 annual fee (i think) totally dissuaded me. Not you?
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