U.S. Bank Triple Cash $100 Software Credit – What Works & Profitable Uses

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
    • Acrobat Pro: 1,
    • Creative Cloud: 1,
    • Lightroom Classic: 1,
  • BitWarden: 1 (can make this profitable by using the monthly teams plan that costs $4 per month)
  • ChatGPT: 1,
  • Code42 / CrashPlan Pro: 1,
  • FreshBooks (given as an example on website)
  • Hurricane Tracker: 1 (paid through PayPal)
  • Inoreader: 1,
  • Kagi search: 1,
  • MaxMyPoint: 1,
  • Midjourney: 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,
  • Datto: 1,
  • Discord Nitro Basic: 1,
  • Dreamhost: 1,
  • Emisoft: 1,
  • Google:
    • One: 1,
    • Domains: 1,
    • Workspace: 1,
  • Green Geeks: 1,
  • Microsoft 365: 1,
  • Mullvad: 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.

 
    William Charles
  • On October 15, 2024, 10:00
Tags: u.s. banku.s. bank triple cash

View Comments (79)

  • Will the $3.99 1Password monthly individual plan work to get the $100 credit in a year? There is also 27.5% (or MR points) back on Rakuten

  • A couple of others that work for me are shopify and Xero (accounting software).

    I currently have three Triple Cash (and a Leverage I'm going to PC in Jan) -- does anyone know if there's a limit to the number of Triple Cash cards you can have open?

  • I can confirm MaxMyPoint's charge on Stripe is also coded as 5734 “Computer Software Stores”.

  • I've been tracking MCCs for a while, including 5734 "Computer Software Stores" for the purposes of this credit.

    These code as Computer Software Stores (yes, some of them are odd):
    • Code42 / CrashPlan Pro
    • Ninite
    • Vent Works (old data point, as of 2021)
    • NumberBarn
    • Hurricane Tracker (only if paid through PayPal)
    • TurboTax (state eFiling fee)
    • Remember The Milk
    • Inoreader

    These do not code as Computer Software Stores:
    • Hurricane Tracker (paid directly)
    • Datto (Backupify)
    • Google Workspace
    • DreamHost
    • Green Geeks
    • Namecheap
    • Emsisoft

      • Yes, I would expect that to work. As long as you get a charge in the correct MCC every month (the amount doesn't matter), you should get the credit.

        I believe the "month" is actually "per statement cycle." That shouldn't be an issue with an automatic monthly charge, but it could be helpful to keep in mind in some cases.

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