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

MaheshK 1,240 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 LxMxFxD View Post :
i recently almost applied for amex blue just for the 6%. But the $90 annual fee (i think) totally dissuaded me. Not you?
Annual fee is $75 and a recent deal on that was giving $150 bonus (beside the cash back) on the first one grand in the first three months. Will do something after two years Wink

actually the deal is still up: http://www304.americanexpress.com...pref/12006

For example, you can buy $1250 "that was easy" GCs from your grocery stores, here goes $75 toward your annual fee, then spend all of those GCs in one of those special week(s) to buy FASERs' softwares, to get your money back (probably plus some other rewards) and also become Premier like "that was easy". Big Grin

This (amex blue preffered) is for one who wants to keep a card for a long time and in most of cases get the 6% daily for almost everything. I understand there are one time offers of giving a lot more money or miles, but then you either cancel after a year, or you need to have a business to put big expenses which are probably not out of your pocket, or you need to go through channels like AMZP to satisfy high purchasing condition to get those levels of sign-in bonuses. Many people who don't wanna go through these hoops, can benefit a lot from this 6% guy Smilie
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Last edited by Al Green June 8, 2012 at 12:25 AM.
Quote from NickkNack View Post :
return and rebuy
Half of that is special order, the other half is heavy tile... LMAO
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Quote from shifty_ View Post :
Half of that is special order, the other half is heavy tile... LMAO
go buy them again in store with this card and return on the spot with the first receipt. Stick Out Tongue
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wish someone would just bring back the schwab 2%, they would get its loyal customers who pay their bills on time...

this is nothing more than tricks and traps (as Elizabeth Warren would say).
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Read through a few comments but couldn't find if someone addressed this: Couldn't U.S. Bank just make airfare a 1% category next quarter? I live abroad, so tickets are super expensive to the U.S. and I fly often, so 5% would be awesome, but (if they were smart) airfare will probably only be a category for the first quarter of the promotion, and as I am abroad all the other categories are essentially useless. Am I missing somethign?
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What type of credit score would you need? I'm trying to build credit for a family member and couldn't get approved for the Freedom.
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Quote from s1nad0w View Post :
What type of credit score would you need? I'm trying to build credit for a family member and couldn't get approved for the Freedom.
Dunno, but this is the first time in 4 credit card apps where I was not instantly approved. It's "under review" and I'm supposed to get something in the mail in 7-10 days. My score is around 800. I have a Chase Freedom and I was instantly approved for that card.
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This alone sold me for this card:

Get a $25 Cash+ Bonus each time you redeem $100 or more cash back in a single redemption.

I've Chase Freedom and Sapphire, which only gives 1%, but used to give $50 additional cash back when u redeemed $250. They stopped that additional $50 cash back, so I'll be using USBank now.

For Gas purchase, I use PenFed [penfed.org], which gives 5% cashback.
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1 Should your application for the U.S. Bank Cash+™ Visa Signature® card be denied, submitting this application constitutes your application for a U.S. Bank Cash Rewards Visa Platinum® card.

After reading this and all the replies saying they were denied, it sounds like bait and switch.
any thoughts...
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Quote from grueber View Post :
Dunno, but this is the first time in 4 credit card apps where I was not instantly approved. It's "under review" and I'm supposed to get something in the mail in 7-10 days. My score is around 800. I have a Chase Freedom and I was instantly approved for that card.

i dont know if us bank has a credit analyst number, But i have called for reconsideration within a few hours and have gotten it approved.

try one of these

US Bank: 800-947-1444, 800-685-7680 (Underwriting)
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I have Citi Dividend, Chase Freedom, and Discover. None of you mentioned that there is a $1500 per quarter for Chase and Discover, while Citi has a $300 max dividend per year limit. Last summer I totally forgot about the $1500 limit with Chase Freedom and ended up spending $4000 on travel and gas which effectively lowered my CB percentages as I was only able to get $75. For me it doesn't hurt to have another card to spread out the load if the spending limit has been reached.

Having more card means that you have more 5% cashback categories covered in a given quarter. This quarter Citi cards is giving 5% on home improvement and home furnishing. These categories aren't for 5% CB in either Chase Freedom or Discover the entire 2012. Last quarter was even better: 5% CB on utility bills not found in Chase (only 2% from Discover). Chase and Discover did have restaurant covered for the last 3 quarters.

I have to say the Chase Freedom's categories are pretty lame this year. It was nice having Amazon 5% for Jan-Mar. But Chase put airfare, hotel, and Best Buy on Sep-Dec months. Who goes on vacation during the fall/winter? I'm probably going to spend $1500 on Best Buy anyway. I wish they put airfare and hotel for the 3rd quarter.
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Which category would amazon and newegg fall under?
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Did anyone get instant approval?
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Like everyone else, I have various cards that offer 5% on Amazon, restaurants, quarterly changing categories, etc. This card offers two things that I haven't seen - the ability to choose and potentially lock in 5% categories (assuming they don't change quarter to quarter) and the ability to get 5% on "bill pay".

Haven't seen anyone ask, but would mortgage payments fall under bill pay? I wouldn't mind getting 5% back on my mortgage payment every month, not to mention using this card to pay off the other CCs might allow you to stack the 5% rewards (assuming that CC payments qualify as bill pay).

Can anyone provide insight and/or experiences regarding the usefulness of the "bill pay" category?

From the site, bill pay information provided is as follows:

Examples include service providers like Comcast, DIRECTV, AT&T and State Farm insurance.

Get cash back every month when you set up automatic bill payments for phone, internet, cable/satellite TV, utilities, and insurance.
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I had a FlexPerks Rewards Visa Card through USBANK, which was 1% on everything. I simply called their customer service line for the card and in less than 5 minutes I got my card switched to this one. They're sending me a new card. Smilie
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