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,
- Â Adobe
- BitWarden: 1 (can make this profitable by using the monthly teams plan that costs $4 per month)
- ChatGPT: 1,
- Â 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)
- Â 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:Â
- 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.
Data point:
DealCheck.io monthly payments code as 05734, so they should work.
Pepper method, now that Pepper doesn’t allow Amazon to be paid by credit card anymore, what are people doing for low cost chagres now?
Target is still $1 min and CVS is $2 min on Pepper.
I do $1 charges on internet and gas companies
Do you do this through Pepper?
Chuck
Nope. OP was asking about how to generate $1 charges, I think. Not related Pepper.
Copy that
Chuck . Now I just gotta figure out how to get my utility companies to code as 5744! 😉
I mean 5734
your internet/gas company MCC codes as computer software?
Anyone knows if X premium works?
Anyone tried Krisp.ai as a subscription?
Is everyone receiving confirmation emails when they have a charge that codes correctly as 5734? I haven’t received any.
I didn’t recieve any notification email on two of the cards.
Thanks,
atsdump And did you receive the credit after 11 months? Or are you still in the time period?
Data points: Pepper App still works
1/30/25 Used pepper app to purchase 1.00 Amazon GC coded as 05734
2/3/25 Used pepper app to purchase 1.00 Amazon GC coded as 05734
Also recently received email confirmation
from: U.S. Bank <[email protected]>
subject “You bought the software. Remember to earn $100 from it!”
summary:
Every little bit and byte counts. Earn $100 back on your monthly software subscription payments.
You needed software. You bought software.
Remember that with your U.S. Bank Triple Cash Rewards Visa® Business Card, you can set up recurring payments to your software provider and earn $100 back.
*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.
For the people having problems with verifying the card through the Pepper app, I used an apple iphone with safari as the default browser and it seems to work.
Is it hit-or-miss on whether you receive confirmation emails? I haven’t gotten any, despite making monthly charges since October 2024.
I just started in January, so I’m not sure if that’s the case.
Did your 1/30 transaction post as 1/30? I did one on 1/30 and it posted 2/3.
The transaction date was for 1/29, but it posted on 1/30
Got it, thanks. I haven’t received an email yet regarding my first month, which is February due to the late posting.
How to make this ‘TurboTax (state eFiling fee)’ work?
If I understand correctly. I would only pay state eFiling fee once, and I won’t need to have a monthly charge? Could someone explain?
Added this card to Pepper app but cannot check out. “you failed your credit card’s 3D Secure challenge.”
Anyone knows a fix?
TIA.
same here, and all amex cards fail for me too
For the people having problems with verifying the card through the Pepper app, I used an apple iphone with safari as the default browser and it seems to work.
For the people having problems with verifying the card through the Pepper app, I used an apple iphone with safari as the default browser and it seems to work.
My Bitwarden $5 transaction was charged on 11/29/24 but it did not post on the US Bank website until 12/2/24, so it didn’t count towards November month. I wonder if they will still count it as a consecutive months of eligible software service purchase. Anyone know?
Does anyone know if rocket money subscription counts?