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US BANK CASH+ Merchant list?

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Anonymous
Not applicable

US BANK CASH+ Merchant list?

Is there a list of merchants that are guaranteed to qualify within the cash+ categories. I know cabelas.com for example doesn't count as sporting goods, are there any others? How can you even tell if a specific purchase qualified or didn't qualify? Does it say on your statement 

Message 1 of 7
6 REPLIES 6
xenon3030
Valued Contributor

Re: US BANK CASH+ Merchant list?

It is hard to tell. You may do a small purchase to see whether it codes correctly, before doing a large purchase.


Fico8: EX~EQ~TU~840 (12 month goal~850).
BOA (CCR, UCR), Chase (CFF, CSP, Amazon, CIC, CIU), US Bank (Cash+, AR, Go, Ralphs), Discover, Citi (CCC, DC, SYW), Amex (BCP, HH, Biz Gold, BBC, BBP), Affinity CR, Cap1(Walmart), Barclays View.
Message 2 of 7
K-in-Boston
Epic Contributor

Re: US BANK CASH+ Merchant list?

US Bank does not publish a list of all qualifying merchants, but they should be by MCC code.  Example merchants are listed here: https://cashplus.usbank.com/merchants and Cabela's (and Bass Pro Shops) should code as Sporting Goods Stores as they are listed.  If a purchase did not trigger 5x, I would contact them since it is clearly in the merchants list and they would credit that unless it was made using a third party like PayPal.  One merchant I can think of that doesn't seem to work off the top of my head is Verizon FIOS - I have not had luck with it triggering either TV, Internet & Streaming Services or Cell Phone Providers (I tried the latter because Verizon FIOS does for some reason seem to trigger credits for Verizon Wireless with Amex).

 

They seem to have redone the Rewards page very recently and I can't find a listing of earnings anymore, which was never easy to find anyway.  The earnings are summarized at the top of the second page of your statement, however, although they are not clearly listed next to each purchase as other card issuers do.

Message 3 of 7
NRB525
Super Contributor

Re: US BANK CASH+ Merchant list?

US Bank has a feature to export transaction lists to Excel. In that download file, the MCC code is included. There are PDF's out on the interweb to say what those codes mean. 
Armed with the transactions for a statement period, and the cash back categories you earned, one can reverse trace how those rewards were calculated, and see whether a merchant acted as you expected.  

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 4 of 7
xenon3030
Valued Contributor

Re: US BANK CASH+ Merchant list?

Verizon seems to be coded here as utility here. It seems that I should review all prior codes Smiley Happy


Fico8: EX~EQ~TU~840 (12 month goal~850).
BOA (CCR, UCR), Chase (CFF, CSP, Amazon, CIC, CIU), US Bank (Cash+, AR, Go, Ralphs), Discover, Citi (CCC, DC, SYW), Amex (BCP, HH, Biz Gold, BBC, BBP), Affinity CR, Cap1(Walmart), Barclays View.
Message 5 of 7
Anonymous
Not applicable

Re: US BANK CASH+ Merchant list?


@xenon3030 wrote:

Verizon seems to be coded here as utility here. It seems that I should review all prior codes Smiley Happy



@xenon3030 wrote:

Verizon seems to be coded here as utility here. It seems that I should review all prior codes Smiley Happy


On Max Cash, Verizon FioS does count as Internet, so somewhat surprising cash+ is different.

Message 6 of 7
xenon3030
Valued Contributor

Re: US BANK CASH+ Merchant list?

I prefer that both cell phone and internet would get coded as utility or they get coded in the same category. In this case, it would be easier to use Cash+. For the moment, it is needed to have 2-3 Cash+/Elan cards to cover multiple bills.


Fico8: EX~EQ~TU~840 (12 month goal~850).
BOA (CCR, UCR), Chase (CFF, CSP, Amazon, CIC, CIU), US Bank (Cash+, AR, Go, Ralphs), Discover, Citi (CCC, DC, SYW), Amex (BCP, HH, Biz Gold, BBC, BBP), Affinity CR, Cap1(Walmart), Barclays View.
Message 7 of 7
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