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.
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
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.
Bank of America® Customized Cash Rewards credit card
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.
The Bank of America Customized Cash Rewards credit card does not have travel insurance. While the Bank of America Customized Cash Rewards credit card does have benefits such as overdraft protection and zero liability protection, travel insurance is not among the card’s perks. This is because the Bank of America Customized Cash Rewards credit card credit card is made for people who want good rewards on everyday spending.
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:
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
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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