A quiet perk on a no-annual-fee card is turning heads among points enthusiasts: U.S. Bank's Triple Cash Rewards business card offers a $100 statement credit for software subscriptions, and award alert services appear to qualify. Since some of those subscriptions cost under $5 a month, cardholders are effectively ending the year $50 or more in profit.
Here's how it works. The card's terms promise $100 back per 12-month period if you make eligible software purchases directly from a provider for 11 consecutive months. There's no minimum spend — one cardholder reported earning the full credit on a $4 monthly plan. Travel forums say both MaxMyPoint, which tracks hotel award space and Hyatt confirmed suite alerts, and Seats.aero, the award flight search tool, have coded correctly for the credit.
The math is odd but welcome. MaxMyPoint Gold runs $3.99 a month, so a year costs $47.88 — the $100 credit leaves you $52.12 ahead. A higher MaxMyPoint tier at $7.99 monthly still nets you a few dollars. Seats.aero Pro at $9.99 a month costs $119.88 a year, meaning the credit brings it down to $19.88. Those figures exclude tax and whatever regular rewards the card earns on top.
Two details make or break the deal. First, pay monthly, never annually. An annual subscription is a single purchase, not eleven months of charges, so it kills the streak. Second, calendar months matter, not statement periods — a reader of Doctor of Credit suggests starting before the end of a month so a delayed first charge doesn't leave a gap. Merchants can also change how they code transactions: while both services recently showed up as merchant category code 5734 (Computer Software Stores), one user saw a different code on a newer subscription. The smart move is to verify the code on your first posted transaction rather than discovering a problem a year later — download your activity as a CSV from U.S. Bank's desktop site and check the memo field for 05734.
Why should a traveller care? If you redeem hotel points at all, alert services like MaxMyPoint are genuinely useful — they ping you when award space opens or when a Hyatt suite upgrade clears, which is often the difference between a standard room and a suite at the same points price. Seats.aero does the same for flights. If you already carry this U.S. Bank card, having the bank fund (or over-fund) a year of those alerts is a rare case of a perk that costs less than nothing.
The obvious audience is business travellers and points hobbyists who already hold the Triple Cash Rewards card. Applying for a new card purely for this credit is a harder sell, and there's always the risk that the bank tightens terms or merchants shift their coding. But for existing cardholders, it's a low-effort way to cover — and profit from — a year of award tracking. Credit where it's due: View from the Wing.
