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

MaheshK 1,449 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
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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

712 Comments

1 2 3 4 5

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#3
So you can get 5% unlimited CB on whatever category you choose or is there a max limit? I cannot seem to find that information.
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#4
Quote from Seven87 View Post :
So you can get 5% unlimited CB on whatever category you choose or is there a max limit? I cannot seem to find that information.
Yes! unlimited + $25 on every $100 redeemed!! Bill pay is interesting category.. if I can setup auto pay for my EMI's that is..
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#5
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.
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#6
unless they keep the categories the same, i don't know how much different this is than the freedom card.


"Cardmember 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."
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#7
restaurants and fast-food is diff??
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#8
Quote from wakko View Post :
unless they keep the categories the same, i don't know how much different this is than the freedom card.


"Cardmember 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."
It seems as there is a lot of categories available if the demo in the OP is accurate. This is unlike Chase where the categories are pre-selected for you. A huge benefit for me.
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#9
Quote from linkin06 View Post :
restaurants and fast-food is diff??
LOL.. Only in America.. Big Grin
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#10
Have to book flight on airlines website to get cashback(expedia orbitz etc are not eligible)
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#11
Quote from tomekolodziej View Post :
Have to book flight on airlines website to get cashback(expedia orbitz etc are not eligible)
So shock to hear that. I thought it was cool
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#12
So if I pay my other (American Express) card using "bill pay", is that 5%?
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#13
Quote from Seven87 View Post :
So you can get 5% unlimited CB on whatever category you choose or is there a max limit? I cannot seem to find that information.
From their FAQ:

•Is there a limit to the amount I can earn in the Cash+ Categories?
Unless it is stated separately on the promotion, there are no limits to what you can earn in the Cash+ Categories.
Reply Helpful Comment? 0 0
#14
no one actually has the actual list of categories this quarter?

it seems very risk to take this card purely based on the "example" categories available, since most of us do most of our spending in specific categories.

i.e. a frequent traveler is planning on applying to get 5% on hotels and airfare, but if that category comes around only 1 quarter it's not too useful...
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#15
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...
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