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FYI: Freedom's Restaurants include fast food

New Contributor

FYI: Freedom's Restaurants include fast food

Freedom is offering 5% back on Restaraunts for this period. Considering the fact that Visa/Mastercard use a different MCC for restaraunts and fast food, it surprised me to find out that Chase is including fast food for this quarter. Just a heads up to all y'all.

 

Linky

 

Q. What types of merchants are in the Restaurant category?
A. Restaurant category
Merchants in the Restaurant category include fast food restaurants to fine dining establishments. Please note that some merchants that sell food and drinks located within larger merchants that sell other goods or services may not be included in this category; for example, sports stadium concessions and department store cafeterias

 

 

TU: 730 (Lender Pull) ; EQ: 738 (MyFico)
Age:21
Barclay's Sallie Mae 5% Mastercard $1k(4/2013)- My main beach
Chase Freedom $3k (3/2013) - My side beach
Amex BCE $6k (3/2013) - When I feel like a boss
Crapital One Platinum $750 (2/2010) - When I feel like a n00b
Message 1 of 13
12 REPLIES
Valued Contributor

Re: FYI: Freedom's Restaurants include fast food

Actually, I think this is the "usual" way, US Bank Cash Plus stands out for separating them as 5% categories. 

Message 2 of 13
Senior Contributor

Re: FYI: Freedom's Restaurants include fast food

Does anyone know if it includes small restaurants that use Square?

Message 3 of 13
New Contributor

Re: FYI: Freedom's Restaurants include fast food


bs6054 wrote:

Actually, I think this is the "usual" way, US Bank Cash Plus stands out for separating them as 5% categories. 


Interesting. The more you know Smiley Happy

 

Yeah, US Banks classification and the different MCC classifications is what kind of led me to believe fast food wouldn't count. Good to know. So Citi Forward is fast food as well, then..

TU: 730 (Lender Pull) ; EQ: 738 (MyFico)
Age:21
Barclay's Sallie Mae 5% Mastercard $1k(4/2013)- My main beach
Chase Freedom $3k (3/2013) - My side beach
Amex BCE $6k (3/2013) - When I feel like a boss
Crapital One Platinum $750 (2/2010) - When I feel like a n00b
Message 4 of 13
Valued Contributor

Re: FYI: Freedom's Restaurants include fast food

Yes, Citi Forward is fast food as well (and it takes multiple MCCs for in its "entertainment" category.)

Message 5 of 13
Regular Contributor

Re: FYI: Freedom's Restaurants include fast food

Yes, Citi Forward has always explicitly stated that fast food is included:

 

5 ThankYou Points for every $1 spent on purchases at restaurants (including fast food), bookstores, music stores, video rental stores and movie theaters; 1 ThankYou Point for every $1 spent on all other purchases2 

 

 

All 3 bureaus (per Amex CreditSecure FAKO) are still 748 (as of 12/19/13). Cards: Discover It, $12,100, Chase Freedom $3,300, Chase Amazon $1,500, Walmart store $11,000, AMEX Zync NPSL, Costco Amex $14,700. US. Bank Cash +, $5,000. AMEX SPG $6,000, PenFed Plat. Cash Rewards $17,500, PenFed P-LOC $10,000, Citi Forward $5,100, Chase Slate $5,000, Old Navy, $2,200.
Message 6 of 13
Blogger

Re: FYI: Freedom's Restaurants include fast food


bs6054 wrote:

Actually, I think this is the "usual" way, US Bank Cash Plus stands out for separating them as 5% categories. 


+1

 

Message 7 of 13
Established Contributor

Re: FYI: Freedom's Restaurants include fast food

Awesome!! I am one of those idiots who forgets to eat and hit up Popeyes etc
Smiley Happy

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 8 of 13
Established Contributor

Re: FYI: Freedom's Restaurants include fast food

 

 

MERCHANT CATEGORY MCC SHORT DESCRIPTION

Eating Places, Restaurants5812Caterers, Restaurants, Bars
Fast Food Restaurants5814Fast-Food Restaurants

 

 


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Message 9 of 13
Valued Contributor

Re: FYI: Freedom's Restaurants include fast food


bs6054 wrote:

Actually, I think this is the "usual" way, US Bank Cash Plus stands out for separating them as 5% categories. 


Which is lame as hell!  US Bank Cash Plus is really nothing special.  Most of the 5% categories are useless (to me anyway).


Message 10 of 13