cancel
Showing results for 
Search instead for 
Did you mean: 

Does USB AR reimbursed travel count towards minimum spend for SUB?

tag
j615
Regular Contributor

Does USB AR reimbursed travel count towards minimum spend for SUB?

When you spend on travel/dining and get credited back for the $325, will this spend still count towards the $4,500 minimum required to meet the bonus?

Message 1 of 7
6 REPLIES 6
NRB525
Super Contributor

Re: Does USB AR reimbursed travel count towards minimum spend for SUB?

No.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 2 of 7
pizzadude
Credit Mentor

Re: Does USB AR reimbursed travel count towards minimum spend for SUB?


@j615 wrote:

When you spend on travel/dining and get credited back for the $325, will this spend still count towards the $4,500 minimum required to meet the bonus?


I agree that it won't count.   In general, card annual fees, interest charges, etc.. won't be applied towards minimum spend requirements. 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 7
j615
Regular Contributor

Re: Does USB AR reimbursed travel count towards minimum spend for SUB?

Thanks. When I called the dedicated AR CS line, the rep said the spend will still count, but she sounded uncertain. I'm going to make sure I spend $4,825+ just in case. 

Message 4 of 7
Remedios
Credit Mentor

Re: Does USB AR reimbursed travel count towards minimum spend for SUB?

Been there, done that, spend that's subject to statement credit still counts towards minimum spend required for SUB. 

If it makes you feel safer, spend additional amount 

Message 5 of 7
GatorGuy
Valued Contributor

Re: Does USB AR reimbursed travel count towards minimum spend for SUB?

I just got this card in March they counted all spending towards the SUB regardless of reimbursement. 

Message 6 of 7
Anonymous
Not applicable

Re: Does USB AR reimbursed travel count towards minimum spend for SUB?


@pizzadude wrote:

@j615 wrote:

When you spend on travel/dining and get credited back for the $325, will this spend still count towards the $4,500 minimum required to meet the bonus?


I agree that it won't count.   In general, card annual fees, interest charges, etc.. won't be applied towards minimum spend requirements. 


Right, but it's nothing like those.  I think the closest would be that it shouldn't count as part of "net purchases" as it's more like a return for which you get credit.   But I seem to remember, along with others here, that it does count anyway.

 

But if you are spending $4,500, spending $4,825 for safety may be worth it!

Message 7 of 7
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.