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US Bank Cash Back 5% category question

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MrDisco99
Valued Contributor

Re: US Bank Cash Back 5% category question


@raisemysc0re wrote:

Should I call and try to Recon with them?


You can if you want, but in my experience recon will not help you with a 1/12 auto-denial.

Message 11 of 15
raisemysc0re
Established Contributor

Re: US Bank Cash Back 5% category question

I ended up having my wife get the card.

I activated "Home Utilities" and "TV, Internet & Streaming Services" for our 5% categories.

Spectrum is only giving me 1%:

01/19/2021SPECTRUM 855-707-7328 MO$154.98 $1.55

National Grid is also only giving me 1%:

01/20/2021NATIONAL GRID 800-322-3223 NY$602.25 $6.02
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Starting Scores (06/2016):

Current Fico8 Scores (Updated 10/24/23):

Current Fico9 Scores (Updated 10/24/23):


Message 12 of 15
K-in-Boston
Credit Mentor

Re: US Bank Cash Back 5% category question


@raisemysc0re wrote:

I ended up having my wife get the card.

I activated "Home Utilities" and "TV, Internet & Streaming Services" for our 5% categories.

Spectrum is only giving me 1%:

01/19/2021SPECTRUM 855-707-7328 MO$154.98 $1.55

National Grid is also only giving me 1%:

01/20/2021NATIONAL GRID 800-322-3223 NY$602.25 $6.02

Has your statement closed?  On the rewards history screen, bonus points are awarded after the statement closes.  They are summed by category and not allocated to individual charges.  That can sometimes make it difficult to see which charges might apply to which bonus categories if you have a lot of charges on the card.  Fortunately, I have a crystal clear example of this since I had utilities going to my Chase Freedom instead for Q4:

 

usb_cplus.png

 

If the card is enrolled for those categories for Q1, they should almost certainly trigger the bonus points as both Spectrum and National Grid have been confirmed to work.

Message 13 of 15
TJHOFF
Established Member

Re: US Bank Cash Back 5% category question

Another data point is on USB's own website https://cashplus.usbank.com/merchants/index they list Charter as an example of merchants for TV, Internet & Streaming Services. Charter owns Spectrum.

Message 14 of 15
raisemysc0re
Established Contributor

Re: US Bank Cash Back 5% category question

Just got off the phone with them.

Looks like they give that 1% but further on down the list is another Bonus rewards that gave me the other 4% for each...

So all good now Smiley Happy

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 10/24/23):

Current Fico9 Scores (Updated 10/24/23):


Message 15 of 15
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