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
- Anthropic Claude: 1,
- BitWarden: 1 (can make this profitable by using the monthly teams plan that costs $4 per month)
- ChatGPT: 1,
- Claude API: 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, 2 (might not work anymore)
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,
- ExpertFlyer: 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.
How can you tell what the merchant code is? I used maxmypoint.com and it shows: Merchant Category
Electronics & Software
Type download into the comment search for instructions.
Has anyone tried Ancestry.com, YNAB (you need a budget), or Apple iCloud storage?
I would look myself but Wells Fargo doesn’t tell me the MCC, and I don’t want to switch from annual payments to higher monthly payments to experiment on my Triple Cash.
Try the search of comments. I recall seeing iCloud mentioned a few times.
Darkhorseodds codes as 05734 and I received my $100 credit today.
Hey
Churnlark How long after making the 11th monthly payment did you receive the credit?
any idea if http://www.flightconnections.com works? 3.33usd per month
Try it and see what the MCC is. That’s the only sure way to know.
Hey bicyclep, I like the visual graphics on this app. Let us know how it codes. Saved it to my bookmarks.
it wont work out, I went ahead and try to pay and then the price changes to 3.33usd BUT BILLED YEARLY so it wont be a month to month thing. I do have 2 triple cash biz cards, so far I spending 5usd manually in chatgpt api n 9.99usd monthly in seats.aero I d like to find a way to pay ideally 1-3usd in each card automatically monthly so I dont have to charge 5usd at gpt manually n risking me forgeting it once ;S if anyone knows pls lemme know thx
Simplefin Bridge codes as 05734 – only costs $1.50 per month. I use it to link bank accounts to a self-hosted budgeting app, but probably could just subscribe without connecting anything
Both Anthropic Claude subscriptions and Claude API credits code as 05734.
Hey Cheese, How much is the basic monthly subscription?
seats.aero still works as of a few days ago
Expert Flyer doesn’t work, unfortunately. Codes as 07375.
Can confirm as of 07/26/2025 the Proton Unlimited $12.99 plan does code as 05734
How do you confirm the code?
A purchase from Macrium (backup software) in December 2024 coded as Computer Software Store.
Their billing is processed through Cleverbridge. I wonder if I could easily find other other merchants using Cleverbridge, and if they would code the same. The Cleverbridge site lists a few logos of major companies who use their service.