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.
View Comments (313)
Both Anthropic Claude subscriptions and Claude API credits code as 05734.
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.
Has anyone tried Wyze (Camplus)?
Sometime between 6/14 – 6/16/25, NumberBarn may have stopped counting as Computer Software Stores. The latest charge coded as "Telephone Services." I'll update here if it reverts back.
The MCC has also changed to 4814 on my NumberBarn transaction on 6/28/2025
Can confirm the same new MCC on my account. Dumb dumb dumb dumb dumb.
Added, thanks
US Bank also has a $1 small balance waiver so if you pay down your balance but leave a $1 balance before your statement is cut, you'll get that $1 waived (it posts as "Credit Adjustment: small balance charge off").
Save yourself $12 a year!
Splitwise codes as 05734, so it's a small moneymaker at $4.99 a month
Has anyone actually received the $100 and did it really take 2 statements after your 11th month of charges? Did US Bank send any congratulation message? I’m on month 12 Thanks
I have the past two years. Came on the statement of my 12th month if I recall. Might have been 13th.
@guest_1932525 Did you receive any emails or notifications from USB that you had successfully completed the terms?
Nope. Don't believe I even got the original email that said I started. I just threw all of my subs on that card initially and checked the code. Once I saw one that worked (CrashPlan at the time), I let it run. Worked solidly for just over 2 years until CP changed payment processors.
Thanks! Here's hoping they pay out soon. Can't wait to be done with this.
That was a suggestion I made when I complained. There’s no tracking this benefit and it’s difficult to even know if your purchase counts. They could put a gold star on the charge or whatever. Hopefully they will add something to the website
I made my 11th purchase today. I really hope the bonus hits soon. I so want to be done with this card.
Thanks. Just realized that for 10 months Google One correctly posted as 5734, but in 11 and 12 it posted as 5818 and 5816. I'll get nothing and have to start from month 0.
Dang, I feel for you. It's a good idea to check your account after each charge hits to confirm it (still) codes as 5734. I make mine on the first of the month, giving me plenty of time to find an alternative if one method fails.