11/6/19
11/1/2019 부터 Citi Double 도 기카구입 통한 포인트 적립 제한 Now Live 입니다.
New Terms (will go into effect on November 1, 2019):
The following transactions are not purchases and will not earn cash rewards: balance transfers, cash advances, checks that access your Card Account, items returned for credit, disputed or unauthorized purchases, fraudulent transactions, traveler’s checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets and gaming chips (and similar betting transactions), loads or reloads of balances on gift cards or prepaid cards or cash equivalents, person-to-person payments, Citi Flex Loans, the creation of Citi Flex Pays, Card Account fees and charges (such as late fees and finance charges), and fees for services or programs you elect to receive through us.
https://www.doctorofcredit.com/citi-double-adds-terms-to-exclude-gift-cards-from-earning-points/
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7/23/19:
지금까지 아멕스 카드로 기프트 카드 구입시 포인트 적립에 별 문제가 없었고 사인업 보너스 스펜딩에도 기카 구입을 너무 심하게만 하지 않으면 괜찮았었는데 그것도 앞으로는 아멕스에서 gift card 구입 exclusion을 강하게 enforce하려나 봅니다.
카드마다 기프트 카드 구입 관련하여 금지 문구 발견하시면 알려주세요
그리고 기카 구입도 앞으로는 더 조심해야하겠습니다
첫번째로 키카 구입을 통한 사인업 보너스 제한.
At some point, Amex added in the terms on all cards (sample link) to clearly disallow signup bonuses from being earned with gift card purchases.
To qualify for the $250 statement credit, you must make purchases with your Blue Cash Preferred® Card from American Express that total $1,000 or more within your first 3 months of Card Membership…Purchases to meet the spend requirement do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler’s checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To receive the $250 statement credit, your Card account must not be past due or cancelled at the time the statement credit is posted to your Card account.
두번째로 키카 구입을 통한 포인트 적립 제한.
1. BBP 카드
Now, this gift card exclusion is showing even for earning ordinary points, but only on the Blue Business Plus card (link), I don’t see it explicitly on other cards.
With your Blue Business® Plus Card from American Express, you earn one Membership Rewards® point for each dollar you spend on your Card for eligible purchases. For the first $50,000 in eligible purchases in each calendar year you also earn one additional point (for a total of 2 points)…Eligible purchases do NOT include fees or interest charges, balance transfers, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards; person-to-person payments or purchases of other cash equivalents. Additional terms and restrictions apply.
2. 아멕스 골드 오퍼 텀 링크
The Gold Card Membership Rewards
You will earn one point for each dollar charged for an eligible purchase in each billing period on The American Express Gold Card. You will earn: 3 additional points (for a total of 4 points) for each dollar charged at restaurants worldwide; 3 additional points (for a total of 4 points) on the first $25,000 of eligible purchases per calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); and 2 additional points (for a total of 3 points) for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded) and airfare charged directly with amextravel.com. You may not earn additional points for purchases at a restaurant located within another establishment (e.g. a restaurant inside a hotel, casino, or event venue). For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant. You also will NOT earn additional points for purchases at bars, nightclubs, cafeterias, and convenience stores. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, person to person payments, purchases of gift cards, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Merchants are assigned codes based on what they primarily sell. A purchase will not qualify for additional points if the merchant's code is not eligible or if we do not receive information that identifies your purchase as qualifying for additional points. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not qualify for additional points. A purchase may not qualify for additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.
https://www.doctorofcredit.com/american-express-adds-terms-to-ban-gift-cards-from-earning-points/