What is the Bank of America Cash Rewards grocery stores list? This question is about the Bank of America® Customized Cash Rewards credit card

What is the Bank of America Cash Rewards grocery stores list?

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This question is about the Bank of America® Customized Cash Rewards credit card

Cameron DiGiovanni, Writer

@cdigiovanni20 • 09/30/22 This answer was first published on 04/27/21 and it was last updated on 09/30/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Bank of America Customized Cash Rewards credit card grocery stores list includes traditional supermarkets, wholesale clubs, bakeries, meat lockers, dairy product stores, and candy stores, among others. These merchants give 2% cash back (up to a quarterly cap) on all purchases made with a Bank of America Customized Cash Rewards credit card.

To figure out which stores count for the bonus cash back rate, check the Visa merchant category codes (MCCs) list online.

Here are some MCCs that qualify for the card’s grocery stores bonus cash back:

Grocery Stores/Supermarkets: 5411
Wholesale Clubs: 5300
Freezer/Meat Locker: 5422
Candy/Nut/Confection Stores: 5441
Dairy Product Stores: 5451
Bakeries: 5462
Miscellaneous Food Stores: 5499

Superstores such as Walmart and Target do not qualify as grocery stores for Bank of America Customized Cash Rewards credit card bonus cash back. Purchases made at retailers like drugstores and gas stations are also excluded.

Answer Question

How can I redeem my Bank of America cash rewards?

The easiest way you can redeem your Bank of America cash rewards is either online or through the mobile app. Alternatively, you can do it over the phone, by calling customer service at (800) 434-8313.

How to Redeem Your Bank of America Cash Rewards Online

Select the “Rewards” tab.

Choose a redemption option.

Select the amount of cash back to redeem.

Submit your redemption request.

You can redeem your cash rewards for statement credit, direct deposit to a BofA/Merrill Lynch account, or a personal check. Cardholders must have a minimum of $25 in cash back earned in order to redeem, regardless of redemption method.

Using your Bank of America cash rewards for a statement credit is one of the simplest options. Once you have at least $25 in cash rewards, you can directly apply your rewards as a statement credit and the amount will be subtracted from your current balance.

To redeem your cash rewards for a direct deposit, you must have a Bank of America checking or savings account, or a Cash Management Account at Merrill Lynch. If you choose to redeem your rewards using the personal check option, you should expect to wait at least 14 days for the check to arrive by mail.

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Does the Bank of America Cash Rewards card have travel insurance?

The issuer does not disclose any specific information regarding the Bank of America Customized Cash Rewards credit card travel insurance. The card may offer it as part of the Visa Signature benefits, but it is not guaranteed. So, make sure to check the guide to benefits that came with your Bank of America Customized Cash Rewards credit card to see which perks are included with your card.... read full answer

In general, travel insurance includes travel accident insurance, lost/damaged luggage reimbursements, baggage delay insurance, and emergency assistance.

Alternative Credit Card Options

If you’re looking for a travel credit card, some good options include the Bank of America® Premium Rewards® credit card, the Capital One VentureOne Rewards Credit Card, and the Chase Sapphire Preferred® Card.

You should also check out WalletHub’s recommendations for the best credit cards for travel insurance and travel rewards. Before picking a card, also be sure to check your credit score for free on WalletHub. That way you’ll know which cards you’ll be able to qualify for.

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What is included in the Bank of America online shopping category?

The Bank of America online shopping category includes bookstores, clothing stores and department stores, among others. This category gives you rewards for purchases made online or with a mobile app from merchants such as Amazon, Apple, Best Buy, Etsy, Groupon, Macy’s, Target, Ticketmaster and Walmart. Keep in mind that the online shopping category list is not exhaustive. Different types of purchases may be eligible as well.... read full answer

Here is the Bank of America online shopping category list:

Bookstores

Clothing and Apparel

Department Stores

Discount Stores

Electronics

Specialty Retail Stores

Sporting Goods

The Bank of America online shopping category is one of the bonus rewards categories that you can choose for the Bank of America Customized Cash Rewards for Students, Bank of America Customized Cash Rewards credit card and Bank of America Custom Cash Secured Card. You can also find it as a bonus-category choice on some of BofA’s co-branded credit cards like the Pink Ribbon™ Credit Card.

You should keep in mind that there are several types of transactions that are not eligible for the Bank of America online shopping category. Those include payments to insurance companies, utilities, schools, hospitals and more.

Merchants excluded from the Bank of America online shopping category:

Doctors and Hospitals

Government Services and Taxes

Insurance

Membership Organizations

Schools

Utilities

Other non-retail services

These lists are not comprehensive, as Bank of America does not control how individual merchants are classified by the credit card networks. Each merchant has a "merchant category code," which is assigned by the card networks, and that code determines which general credit card rewards category a purchase falls into.

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