"Qualifying Purchases on Military Bases" are Qualifying Purchases made at businesses that are included in a merchant category identified as primarily selling goods and/or services on United States military bases (such as commissaries, exchanges and shoppettes).
These transactions, however, coded as 1 cent per dollar cash back. When I called USAA to inquire I was told that it is up to the individual Exchange on how they code the transaction based on items I purchase. He said I could get back anywhere from 1 cent, 2 cents, 3 cents, etc. depending on what I buy. I bought some baby supplies and clothing, but apparently these items didn’t qualify. I’ve heard of merchants coding incorrectly, but this excuse of individual items coding incorrectly does not sound right.
I read that these base merchants (Exchanges, Commissaries, Gas Stations) no longer code as “Government Service” but now as "General Merchandise," which will not trigger the 5%. Ultimately if this is true, then this card is now promoted on the basis of false advertisement.
It’s ridiculous that USAA won’t honor their 5% category, which was the main sticking point in getting this card and that I have to hope for the 5%, which apparently is unlikely. Beyond telling me it’s up to the merchant, they did nothing to rectify the problem.
I don’t use it for gas since I live right next to a Costco which has vastly cheaper prices than base, but doesn’t accept AMEX, so I use my Costco Anywhere VISA that earns 4% back.… show more