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

The Bank of America rewards categories include gas, online shopping, grocery stores and more, depending on the card. When cardholders make purchases that fall into a BofA 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 a purchase falls into a card’s bonus categories depends on the merchant category codes. These codes are assigned by the major credit card networks to merchants based on what kind of business they conduct. So, if a merchant has the MCC for “grocery stores,” for example, purchases made at that merchant will earn bonus rewards on cards that include “grocery stores” as a bonus category.

Some Bank of America credit cards have certain fixed rewards categories plus additional categories that you can choose from a list. For example, the Bank of America Customized Cash Rewards credit card always has the grocery stores and wholesale clubs category. But cardholders can pick an additional bonus category from the following list: gas, online shopping, dining, travel, drug stores and home improvement/furnishings.

More info regarding the Bank of American rewards categories:

There’s one other major type of Bank of America rewards category. BofA cards that are co-branded with a certain merchant typically offer bonus rewards on purchases made with the partnered merchant. Some examples are the Alaska Airlines Credit Card, the Norwegian Cruise Line® Credit Card and the Sonesta Credit Card.

If you’re looking to get a Bank of America rewards credit card, it’s a good idea to pick a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories. Alternatively, you might want to get a card that offers a flat rewards rate on all purchases, like the Bank of America® Travel Rewards credit card.

The Bank of America Cash Rewards 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 Cash Rewards card. Superstores like Target and Walmart are not considered qualifying locations, nor are smaller drug stores or convenience stores that sell groceries.… read full answer

There is no list of all the specific qualifying locations in the grocery stores category, but you can figure out which stores count for the bonus cash back rate by using the Visa Supplier Locator. MCCs for the types of grocery stores that qualify for the Bank of America Cash Rewards card’s bonus cash back include:

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

After you enter the Merchant Category Codes and the town or city in which you plan to shop, the Visa Supplier Locator will show you the locations that offer 2% cash back on the BofA Cash Rewards card. In all likelihood, you probably won’t have trouble getting cash back wherever you shop for groceries.

The Bank of America Customized Cash Rewards credit card online shopping benefit is an offer for 3% cash back on select online and mobile app purchases. Online transactions with a merchant category code for bookstores, discount stores, electronics and sporting goods, among others, qualify for bonus cash back in the online shopping category.… read full answer

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 of the Bank of America Customized Cash Rewards credit card’s six 3% cash back categories, along with gas, dining, travel, drug stores, and home improvement / furnishings. You can choose one category from this group and earn bonus cash back on the first $2,500 spent each quarter. The quarterly limit covers combined purchases in your chosen category and at grocery stores and wholesale clubs, which offer 2% cash back.

How To Choose A Bank of America Customized Cash Rewards credit card Cash Back Category

Before you can earn bonus cash back on online shopping, you will need to change your chosen 3% cash back category to online shopping, either through your online account or on the Bank of America mobile app. Gas is the Bank of America Customized Cash Rewards credit card’s default bonus category, and it will remain there until you change it. You may keep online shopping as your chosen category, or you can select one of the other 3% cash back categories once every calendar month. You’re limited to one 3% cash back category at a time.

Purchases in any of the bonus categories that exceed the $2,500 quarterly limit, along with non-qualifying purchases, will earn the card’s base rate of 1% cash back. Online purchases related to doctors and hospitals, schools, insurance, utilities, government services, taxes, and other non-retail services are among the non-qualifying transactions.