US Bank Cash+ MCC coding conundrum

[UncleB]

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@longtimelurker wrote:

In the past, didn't Cash+ have a way of seeing rewards per transaction (in a very confusing way, but still there!)  Can't find it now or for the Altitude Reserve

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Yep, but U.S. Bank killed it with the last web site redesign. 

[PullingMeSoftly]

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@UncleB wrote:

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@Kforce wrote:

Closed my Cash+ a month ago, so can't screen shot - show you !

However they have a download to csv option and one of the fields is MCC code.

You can then view with text editor or import to excell, etc.

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This ^^^.

Open in Excel (or other program) and look at the memo field... the last four digits will be the MCC.

@UncleB and @Kforce Thanks worked like a charm!

I wasn't sure how to find this feature, but am now aware. Now I can see confirmed that both internet service and cell phone do indeed code as 4814. Sweet, now i can confidently pick another category for next quarter in place of TV-Internet-Streaming. For anyone who might want to know where the download feature is located:

[Taurus22]

@PullingMeSoftly   That's really odd. I wonder why they bother to separate the categories if they just code it together?  Shoot.....I might have to take another look at how I'm using my categories now. I have a project for tonight!

[Kforce]

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@UncleB wrote:

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@longtimelurker wrote:

In the past, didn't Cash+ have a way of seeing rewards per transaction (in a very confusing way, but still there!)  Can't find it now or for the Altitude Reserve

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Yep, but U.S. Bank killed it with the last web site redesign. 

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9 out of 10 times an upgrade is really a downgrade (YMMV)

[Taurus22]

And now that I think about it, it also begs the question of how Elan codes the MCP as well.  If they use the same coding, I could combine cell phone/internet service into one category on the MCP and have 2 categories open to re-asign between the MCP and Cash+.

[Remedios]

Xfinity (cable, internet) and Xfinity mobile will not be in the same category.

I never looked at how either one codes,  tried both under TV/internet blah blah blah and mobile got one baby point per dollar. 

That was about two years ago, not sure if it changed since. 

[Remedios]

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@UncleB wrote:

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@longtimelurker wrote:

In the past, didn't Cash+ have a way of seeing rewards per transaction (in a very confusing way, but still there!)  Can't find it now or for the Altitude Reserve

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Yep, but U.S. Bank killed it with the last web site redesign. 

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That's how US Bank rolls, remove everything that works to make room for things that don't work. 

[Taurus22]

@PullingMeSoftly   Mind if I ask what Internet service you have that is coding as Cell Phone?  I wonder if coding can sometimes be regionally different?  I just checked mine with US Bank and I get:

Duke Energy 4900 - Utilities

Water Co  4900 - Utilities

Spectrum Internet  4899 - Cable Satellite and TV services

YouTubeTV  7372 - Computer Programming & Data Processing  (this is really weird....is this the standard coding for Streaming Services? I went to my Amex BCP to see what Netflix is coded for and couldn't find anything there)

EDIT: And just to re-emphasize, YouTubeTV is counted as either Utilities or Internet according to US Bank, not sure which it falls into

[Titans84]

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@Taurus22 wrote:

And now that I think about it, it also begs the question of how Elan codes the MCP as well.  If they use the same coding, I could combine cell phone/internet service into one category on the MCP and have 2 categories open to re-asign between the MCP and Cash+.

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You can view the MCC coding the same way as US Bank using the Elan website. The coding looks to be identical as US Bank. I switched one of my Elan categories to my 2nd Cash+ and looking back at the older charges the codes are the same as now.

[TryItAgain]

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@Taurus22 wrote:

@PullingMeSoftly   Mind if I ask what Internet service you have that is coding as Cell Phone?  I wonder if coding can sometimes be regionally different?  I just checked mine with US Bank and I get:

Duke Energy 4900 - Utilities

Water Co  4900 - Utilities

Spectrum Internet  4899 - Cable Satellite and TV services

YouTubeTV  7372 - Computer Programming & Data Processing  (this is really weird....is this the standard coding for Streaming Services? I went to my Amex BCP to see what Netflix is coded for and couldn't find anything there)

EDIT: And just to re-emphasize, YouTubeTV is counted as either Utilities or Internet according to US Bank, not sure which it falls into

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I love the 5% back for my FPL utility & TMobile bill, max the 5% cashback every quarter for few years now is great.

However, when it comes to your YouTube TV wouldn't you be better off putting that on your AMEX BCP for the 6% Groceries & Streaming?