What is included in the Bank of America online shopping category? This question is about Bank of America Credit Cards

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

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This question is about Bank of America Credit Cards

Adam McCann, Financial Writer

@adam_mcan • 04/21/23 This answer was first published on 12/17/20 and it was last updated on 04/21/23.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 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, Macy’s, and Target.

Keep in mind that the online shopping category list is not exhaustive. Different types of purchases may be eligible as well.

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 credit card for Students, the Bank of America® Customized Cash Rewards credit card,and the Bank of America® Customized Cash Rewards Secured Credit Card. You can find it as a bonus-category choice on some of its co-branded credit cards, as well.

You should keep in mind that there are several types of transactions that are not eligible for the Bank of America online shopping category. These 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. Each merchant has a merchant category code, which is assigned by the credit card processing companies. The code determines which general credit card rewards category a purchase falls into.

Answer Question

What are the Bank of America rewards categories?

The Bank of America rewards categories include gas, online shopping, grocery stores, and travel, depending on the card. When cardholders make purchases that fall into one of Bank of America card’s bonus categories, they earn extra rewards compared to the card’s base earning rate.

Here are the Bank of America Rewards Categories

Gas
Online shopping
Dining
Travel
Drug stores
Home improvement/furnishings
Wholesale clubs
Grocery stores

Whether...

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

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...

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What is the Bank of America Cash Rewards online shopping benefit?

The Bank of America Customized Cash Rewards credit card online shopping benefit is part of the 3% cash back categories. Online and mobile transactions with certain merchant category codes qualify for this bonus cash back. Eligible merchant categories include bookstores, clothing and apparel, department stores, and more.

Bank of America Customized Cash Rewards credit card Online Shopping Category Details

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

Online shopping is one...

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