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, (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,
  • Google:
    • One: 1,
    • Domains: 1,
    • Workspace: 1,
  • 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.

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

View Comments (303)

  • Can confirm as of 07/26/2025 the Proton Unlimited $12.99 plan does code as 05734

  • 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.

  • 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.

  • 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!

  • 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.

      • 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.

  • What works

    1password subscription

    • 1password still codes as 05734 and is only $3.99 plus tax and is charged by the company located in Toronto, Ontario, but no foreign transaction fee was charged. If you want to skip the free trial and be immediately charged, contact chat and tell them.
    • Stack it with one of the cashback sites like Topcashback, RebatesMe, etc. to lower  the overall cost even more.

    Stack Social purchases 

    • I've purchased both Costco and BJ's memberships through Stack Social and each time it coded as 05734.
    • I also stacked the purchase with cashback sites like RebatesMe, Extrabux, etc. to lower the overall cost even more.
    • Plus you can also get a referral credit for 10.00 by using someone's referral link. Once you make a purchase, you and the referrer will receive the 10.00 credit about 1 month after your purchase.
    • The cheapest item on the site is TextSniper for Mac: Lifetime Subscription for $3.99 plus tax, but it's only supposed to be for new users, so I'm not sure if a repeat purchase would work.

    Surfshark subscription 

    • 24 month subscription for Surfshark VPN coded as 05734
    • You can also stack it with 100 percent cashback with Rakuten or Topcashback (when it is available), so you can put it towards reaching credit card bonus.

    What does not work

    Ring monthly subscription codes as 05045

    Express VPN subscription codes as 07372

  • Does anyone know if Claude subscription purchases code as MCC 5734 and thus qualify for this credit?

    • I tried torbox and it coded as 5045 for me. The description sounds like it should work, but if you only get the $100 software credit with 5734 then torbox is a no go. 
      5045 is COMPUTERS AND COMPUTER PERIPHERAL EQUIPMENT AND SOFTWARE
      5734 is Computer Software Stores

    • They have a $1 charge for a 24 hour trial. I'm going to do this today. I should have done earlier in the month to allow time for a plan B if it didn't work out, but time got away from me. Fingers crossed!

      • Well, Torbox coded as 5045 for me.

        Looks like I'm starting my 12 months over...

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