The U.S. Bank Triple Cash Rewards Visa Business Card offers a $100 software credit for recurring software subscription expenses. To trigger the credit you need 11 consecutive months of eligible software subscription expenses. The fine print is as follows:
An automatic statement credit of $100 per 12-month period will be applied to your Account within two (2) statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. Eligible software service providers are identified by their Merchant Category Code (MCC) and purchases made at discount/retail stores or online retailers may not qualify. We do not determine the category codes that merchants choose and reserve the right to determine which Purchases qualify. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits. Account must be in good standing (open and able to use) to receive the credit.
What Works & Doesn’t Work?
For it to work it needs to have the merchant category code: 5734 “Computer Software Stores”.
Works:
The following have triggered the credit:
- 1Password: 1,
- Adobe
- BitWarden: 1 (can make this profitable by using the monthly teams plan that costs $4 per month)
- ChatGPT: 1,
- Code42 / CrashPlan Pro: 1, (no longer works)
- FreshBooks (given as an example on website)
- Hurricane Tracker: 1 (paid through PayPal)
- Inoreader: 1,
- Kagi search: 1,
- MaxMyPoint: 1,
- Midjourney: 1,
- Mullvad: 1,
- Ninite: Ninite,
- NordVPN: 1 (e-mail received, unsure on credit)
- NumberBarn: 1,
Protonmail: 1,2 (doesn’t work anymore)- QuickBooks (given as an example on website)
- Remember the milk: 1,
- seats.aero: 1,
- Shopify: 1,
- Turbotax: 1,
- Vent Works: 1,
- Xero: 1,
Doesn’t work:
- Backblaze: 1,
- Canva: 1,
- Datto: 1,
- Discord Nitro Basic: 1,
- Dreamhost: 1,
- Emisoft: 1,
- Google:
- Green Geeks: 1,
- Microsoft 365: 1,
- Namecheap: 1,
- Simplelogin: 1,
- Todoist: 1,
Profitable Ways To Use The Credit
Getting the $100 credit only requires a monthly charge, there is no minimum and you get the full credit. This can make it profitable. For example if you sign up for
- BitWarden’s business team plan you pay $5 per month ($60 over 12 months) for a $40 profit. BitWarden is not on any portals.
If anybody finds a better one than this let us know in the comments.
Curious if anyone knows whether Apple iCloud storage subscription will work for this. Also Zoom monthly subscription.
Good Steward budgeting app has the correct MCC. It’s $4 a month plus FTF, so $4.12. Still one of the cheapest options aside from a certain other app. And it’s a decent budgeting tool.
How to check which merchant category it’s coded to on us bank app/website? I see only the description it says “Merchant Category-Electronics & Software” for bitwarden monthly business plan. Is this 5734?
Search “download” in comments.
I didn’t think you can do it on the app. But on the website you’ll see a download button above your transactions. The code is in one is the columns in a large string of digits at the end.
Thanks yea i was able to find it.
delete
Protonmail codes as 7372 for me
1Password monthly plan is $3.99/month, $4.30 with Tax
Is it the correct MCC (5734)?
Nvm I’m dumb, didn’t check earlier comments
Awardwallet has a pretty nifty merchant catergory code lookup: https://awardwallet.com/en/merchants
Canva does not work, codes as “photo studios”
Just confirmed that Adobe Firefly $5 monthly also works in case you wanted an alternative to Bitwarden.
Are we sure pepper works? I never got any email confirming my transaction counts, was done over a week ago too.
Check your CSV file. Both my Pepper transactions from 10/17 and 11/12 coded 5734.