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What card to use for car repairs?

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bigblue7722
Valued Contributor
‎05-06-2014 04:08 AM
‎05-06-2014 04:08 AM

What card to use for car repairs?

I just got my oil changed yesterday at the Nissan dealership and I used my capital one quicksilver to pay for it.  But I checked this morning and capital one said it's coded as gas/automotive,  Should I have used my sallie Mae card? I never would have thought to... Is that normal for car repair places to come up like that? 

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
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ftomasze
New Contributor
‎05-06-2014 04:46 AM
‎05-06-2014 04:46 AM

Re: What card to use for car repairs?

I doubt you would have gotten 5% for the transaction if thats what your thinking...

Capital One Venture VS $20000 Total Rewards Visa $13700 Diners Club Elite WEMC $10000 Barclays US Airways WMC $7500 Amex SPG $6500 BOA Virgin Atlantic WEMC $5000 Barclaycard Arrival+ WMC $5000 BOA Alaska Air VS $5000 Amex Hilton HHonors $3700 Discover IT $3000 Amex Blue Cash (Old) $2000 Macys Store Card $2000 Citi Forward $1410 Capital One Quicksilver $1250 Wells Fargo Home Rebate $1000
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longtimelurker
Epic Contributor
‎05-06-2014 06:14 AM
‎05-06-2014 06:14 AM

Re: What card to use for car repairs?

@ftomasze wrote:

I doubt you would have gotten 5% for the transaction if thats what your thinking...

Well, it might if the coding really is a gas MCC.   If it's something like an oil change, I would try next time!  Worse case is you get 1% rather than 1.5% on QS, which, unless your oil changes are really really big, isn't going to be an important loss.

 

I've had the opposite experience, buying gas at a BP station without pay-at-pump technology.   The transaction got coded as auto-repair.  This was on an Amex sync, so I got 1% and no $5 bonus, making me wish I had gone somewhere else!

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thelethargicage
Valued Contributor
‎05-06-2014 07:15 AM
‎05-06-2014 07:15 AM

Re: What card to use for car repairs?

Google "Visa MCC search" and use the tool to determine what the business is coded as.

A lot of businesses are not coded correctly. Hell, the zoo here in Miami is coded as an office supply store!


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takeshi74
Senior Contributor
‎05-06-2014 07:38 AM
‎05-06-2014 07:38 AM

Re: What card to use for car repairs?

@bigblue7722 wrote:

Is that normal for car repair places to come up like that? 

As indicated above, all depends on how they're coded.

 

@bigblue7722 wrote:

Should I have used my sallie Mae card? 

From https://www.salliemae.com/credit-cards/sallie-mae-card/

 

See the Terms and Conditions for complete details. 5% gasoline category rewards are earned on the first $250 net purchases made per monthly billing cycle at eligible gas stations and service stations. 
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