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AMEX BCE categories

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megaman1
Regular Contributor

Re: AMEX BCE categories

So let's take this hypothetical situation: I can still get 3% cashback if I went to say McDonalds, but their merchant code is considered "groceries"?..

Message 11 of 18
longtime_lurker
Valued Contributor

Re: AMEX BCE categories

Well yes, if that was the case - as FinStar noted, the card issuers use the merchant codes to determine the rewards you get/kind of place it is.

 

That being said, I'll put $5 on McDonald's being 100% classified as "Fast Food/Restaurants"

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Message 12 of 18
megaman1
Regular Contributor

Re: AMEX BCE categories


@longtime_lurker wrote:

Well yes, if that was the case - as FinStar noted, the card issuers use the merchant codes to determine the rewards you get/kind of place it is.

 

That being said, I'll put $5 on McDonald's being 100% classified as "Fast Food/Restaurants"


Whew....At first I thought I would only get cashback at those stores that they have listed.... I feel a little better now knowing I can use it at places as long as those places use the correct merchant codes Smiley Happy

Message 13 of 18
longtime_lurker
Valued Contributor

Re: AMEX BCE categories

Nope, you'll get at least 1% back on everything with the BCE.

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Message 14 of 18
megaman1
Regular Contributor

Re: AMEX BCE categories


@longtime_lurker wrote:

Nope, you'll get at least 1% back on everything with the BCE.


Woops. I meant to say the 2% and 3% categories, but that's still true. Smiley Happy

Message 15 of 18
irrational
Frequent Contributor

Re: AMEX BCE categories

Completely agree with everything that's been said so far. It has to do with how the vender is coded.

 

kroger should qualify, discount chains like wal-mart won't.

 

the easiest way to find out for sure is to just buy something (even just a bag of chips), and wait for the transaction to clear. After it does Amex's website will clearly tell you how it was coded.

Current Score: TU (discover) 720 - 6/29/14 | EQ (score watch) 777 - 7/19/14 - Last App 7/21/14

NPSL          |      $27,600         |      $15,000      |      $7,000      |     $2,800     |      $11,000    |      $13,530      |      $5,200
Message 16 of 18
Themanwhocan
Senior Contributor

Re: AMEX BCE categories


@megaman1 wrote:

Does anyone have a COMPLETE list of what qualifies under each of the categories? Thanks.


https://www.americanexpress.com/us/content/rewards-info/retail.html

 





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 17 of 18
longtimelurker
Epic Contributor

Re: AMEX BCE categories


@megaman1 wrote:

@longtime_lurker wrote:

Well yes, if that was the case - as FinStar noted, the card issuers use the merchant codes to determine the rewards you get/kind of place it is.

 

That being said, I'll put $5 on McDonald's being 100% classified as "Fast Food/Restaurants"


Whew....At first I thought I would only get cashback at those stores that they have listed.... I feel a little better now knowing I can use it at places as long as those places use the correct merchant codes Smiley Happy


The exception is the "select department stores" where you will only get the 2% (BCE)/3%(BCP) at the stores on that list, i.e. it doesn't just depend on being coded as department store.

Message 18 of 18
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