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BOA Cash rewards 3% category

라이트닝, 2019-03-08 15:40:21

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새로 만드실 분들은 별로 없을 것 같아도 이미 만드신 분들은 많으실 듯 한데요.
BOA 사이트에 들어가니 항목에 대해서 자세하게 업데이트를 했네요.
참고하세요.

그런데, 3% 선택이 중부시간으로 바뀐다고 되어는 있고, 매달 한 번 된다는 말은 있는데, 중간에 바뀔때 어떻게 되는지가 안나오는군요.
매달 이전달에 지정한 것과 새로 지정한 것 두 종류는 사용할 수 있는 것처럼 보이기는 하는데, 어떻게 적용되는지는 써보신 분들이 알려주셨으면 좋겠습니다.

 

Category Details - Gas

Qualifying merchant categories*

The Gas category includes purchases in a wide variety of merchant categories* including:

Automated Fuel Dispensers | Fuel Dealers for Coal, Fuel Oil, Liquefied Petroleum and Wood | Marinas and Marine Service and Supplies | Service Stations, with or without Ancillary Services

(Wholesale clubs that offer pay at pump locations could also appear in this category.)

Merchant examples**
BP
Chevron
Exxon Mobil
Shell
Sunoco

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

 

 

 

Category Details - Dining

Qualifying merchant categories*

The Dining category includes purchases in a wide variety of merchant categories* including:

Eating Places, Restaurants | Fast Food Restaurants | Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns/Drinking Places

Merchant examples**
Chili’s
GrubHub
Panera Bread
Subway
Chipotle
McDonald’s
Starbucks
The Cheesecake Factory
Domino's Pizza
Olive Garden

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

 

 

 

Category Details - Drug Stores

Qualifying merchant categories*

The Drug Stores category includes purchases in a wide variety of merchant categories* including:

Drug Stores/Pharmacies | Drugs, Drug Proprietors and Druggists Sundries

Merchant examples**
CVS
Rite Aid
Walgreens

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

 

 

 

 

Category Details - Home Improvement & Furnishings

Qualifying merchant categories*

The Home Improvement & Furnishings category includes purchases in a wide variety of merchant categories* including:

Air Conditioning and Refrigeration Repair Shops | Antique Shops for Sales, Repairs and Restoration Services | Architectural, Engineering and Surveying Services | Building Materials, Lumber Stores; Carpentry | Carpet and Upholstery Cleaning | Contractors, Concrete | Crystal and Glassware Stores | Drapery, Upholstery and Window Coverings Stores | Electrical Contractors | Electrical Parts and Equipment | Equipment, Furniture and Home Furnishings Stores (except Appliances) | Equipment, Tool, Furniture and Appliance Rental and Leasing | Fireplace, Fireplace Screens and Accessories Stores | Floor Covering Stores | Florist Suppliers, Nursery Stock and Flowers | Furniture Reupholstering, Repair and Refinishing; | General Contractor/Residential Building | Glass, Paint, Wallpaper Stores | Hardware Equipment and Supplies | Hardware Stores | Heating, Plumbing, Air Conditioning Contractors | Home Supply Warehouse Stores | Household Appliance Stores | Landscaping and Horticultural Services | Lawn and Garden Supply Stores | Masonry, Stonework, Tile Setting, Plastering, Insulation Contractors | Miscellaneous House Furnishing Specialty Shops | Office and Commercial Furniture | Paints, Varnishes and Supplies | Plumbing and Heating Equipment and Supplies | Roof, Siding and Sheet Metal Work Contractors | Special Trade Contractor (not elsewhere classified)

Merchant examples**
Ace Hardware
Harbor Freight Tools
Menards
The Home Depot
Bed Bath & Beyond
IKEA
Pottery Barn
TruGreen
Crate&Barrel
Lowe's
Sherwin-Williams
Williams-Sonoma

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

 

 

 

 

Category Details - Online Shopping

Qualifying merchant categories*

The Online Shopping category includes online and mobile app purchases in a wide variety of merchant categories* including, but not limited to:

Bookstores | Clothing and Apparel | Department Stores | Discount Stores | Electronics | Specialty Retail Stores | Sporting Goods

Merchant examples**
amazon.com
dickssportinggoods.com
macys.com
nordstrom.com
apple.com (includes iTunes & Store)
etsy.com
microsoftxboxlive.com
target.com
groupon.com
qvc.com
ticketmaster.com
bestbuy.com
kohls.com
nike.com
walmart.com
wish.com

Some classes of merchants are excluded from the Online Shopping category such as doctors and hospitals, government services and taxes, insurance, membership organizations, schools, utilities and other non-retail services.

 

 

 
Bank of America® Cash Rewards credit card Online Shopping Exclusion List*
Some classes of merchants are excluded from the Online Shopping category such as doctors and hospitals, government services and taxes, insurance, membership organizations, schools, utilities and other non-retail services.

Insurance

  • Direct Marketing of Insurance Services
  • Insurance Sales, Underwriting and Premiums

Utilities

  • Cable, Satellite and Other Pay Television and Radio Services
  • Telecommunications Equipment including Telephone Sales
  • Telecommunications Services/Credit Card Activated Utilities – Electric, Gas, Sanitary, Water

Colleges, Universities, Professional

  • Business and Secretarial Schools
  • Colleges, Universities, Professional Schools and Junior Colleges
  • Correspondence Schools
  • Elementary and Secondary Schools
  • Schools and Educations Services (not elsewhere classified)
  • Trade and Vocational Schools

Membership Organizations

  • Associations, Civic, Social and Fraternal
  • Clubs, Country Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses
  • Political Organizations
  • Religious Organizations

Doctors and Hospitals

  • Ambulance Services
  • Chiropractors
  • Dentists and Orthodontists
  • Doctors and Physicians (not elsewhere classified)
  • Hospitals
  • Medical and Dental Laboratories
  • Medical Services Health Practitioners (not elsewhere classified)
  • Nursing and Personal Care Facilities
  • Opticians, Optical Goods and Eyeglasses
  • Optometrists and Ophthalmologists
  • Osteopathic Physicians
  • Podiatrists and Chiropodists

Government Services and Taxes

  • Court Cost Including Alimony and Child Support
  • Gambling – Government-Owned Lotteries
  • Government Administrative Entities Fines
  • Government Services (not elsewhere classified)
  • Intra-Government Purchase (Government Only)
  • Postage Services (Government Only)
  • Tax Payments
  • Tax Preparation Service

Non-Retail Services

  • Accounting, Auditing and Bookmaking Services
  • Advertising Services
  • Attorneys, Legal Services
  • Child Care Services
  • Cleaning and Maintenance, Janitorial Service
  • Cleaning, Garment and Laundry Services
  • Computer Programming, Data Processing and Integrated Systems Design Services
  • Systems Design Services
  • Consulting, Management and Public Relations Services
  • Consumer Credit Reporting Agencies
  • Courier Services (Air and Ground, Freight Forwarders)
  • Debt, Marriage, Personal Counseling Service
  • Detective Agencies, Protective Agencies, Security Services
  • Including Armored Car
  • Employment Agencies, Temporary Help Service
  • Exterminating and Disinfecting Services
  • Motorfreight Carriers, Trucking, Local/Long Distance,
  • Moving/Storage Company, and Local Delivery Services
  • Professional Services (not elsewhere classified)
  • Public Warehouse (Farm Products, Refrigerated Goods,
  • Household Goods Storage)
  • Recreational and Sporting Camps
  • Veterinary Services

Miscellaneous

  • POI Funding Transactions
 

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

 

 

 

Category Details - Travel

Qualifying merchant categories*

The Travel category includes purchases in a wide variety of merchant categories* including:

Airlines, Air Carriers, Airports, Airport Terminals, Flying Fields | Amusement Parks, Carnivals, Circuses, Fortune Tellers | Aquariums, Dolphinariums, Zoos and Seaquariums | Art Dealers and Galleries | Boat Leases and Boat Rentals | Bus Lines | Campgrounds and Trailer Parks | Car Rental Agencies | Cruise Lines | Direct Marketing — Travel-Related Arrangements Services | Hotels, Motels, Resorts | Motor Home and Recreational Vehicle Rental | Package Tour Operators (for use in Germany only) | Parking Lots and Garages | Real Estate Agents and Managers (Rentals) | Recreation Services (not elsewhere classified) | Suburban and Local Commuter Passenger Travel, including Ferries | Taxicabs and Limousines | Timeshares | Truck and Trailer Utility Rentals | Passenger Railways | Toll and Bridge Fees | Tourist Attractions and Exhibits | Transportation Services (not elsewhere classified) | Travel Agencies and Tour Operators

Merchant examples**
Airbnb
Delta Airlines
E-ZPass
SunPass
American Airlines
Enterprise Rent-A-Car
Marriott
Uber
Amtrak
Expedia
Royal Caribbean Intl.
United Airlines

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

 

4 댓글

엣셋트라

2019-03-08 15:48:55

원래 카테고리 하나만 되는건데 변경을 하면 두개의 카테고리가 다 적용되는 버그가 있다는 뜻이시죠? 해도 손해볼건 별로 없겠네요 +_+

라이트닝

2019-03-08 15:52:00

한달에 한 번 변경이 되니 1-15일까지는 이전에 쓰던 것으로 사용하고, 16-30일까지는 새로 변경한 것으로 사용가능할 것 같다는 의미였습니다.
결국 다음 달에 못바꾸니 약간의 flexible함 밖에는 없겠네요.

매달 2가지 항목을 월초, 월말로 나누어 사용할 수 있다면 이렇게 사용해도 될 것 같아요.

엣셋트라

2019-03-08 15:53:50

아... 저희는 아내가 online shopping을 고르고 제가 dining을 골라서 배분합니다. 그냥 쭈욱 이렇게 갈거 같네요.

라이트닝

2019-03-08 15:55:11

이것이 가장 좋은 방법이지요.

 

다만 새로 만들어야 되면 부담이 될 뿐입니다.

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