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.
View Comments (147)
1Password monthly plan is $3.99/month, $4.30 with Tax
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.
Github Copilot does not work for the software credit. It shows up as hosting.
Why isn't "Pepper" listed in the "trigger" list above? Some comments seem to confirm it will trigger the credit.
Keeping it on the down low.
CrashPlan changed its merchant processor and now codes as 5817, digital goods.
does it wok for perplexity
I am curious if I can get the credit changing the subscribed software in the middle of the 12 billing cycles. For example, subscribe to chatgpt plus for 6 months, then subscribe to adobe for 6 months. Not sure whether they only check for 5734 code or all the transactions need to be for the same software. Does anyone have DP?
USB makes no mention that the 11 consecutive months of charges have to be with the same service, so no, I would guess that you will be fine changing halfway through. It's the 11 *consecutive* months that seems to be the requirement.
That is great to know! Thank you!