topic Re: Help on BBVA Merchant code in Credit Cards

Help on BBVA Merchant code

NoMoreE46 — Mon, 22 Feb 2021 15:41:43 GMT

We have our auto insurance bill coming up soon.

I would like pay the 6 month bill with my Clear Points card under the correct 3x category. Thanks for your help in advance!

As an aside, I been having issues accessing the App and Via mobile over the past week. 😠

Re: Help on BBVA Merchant code

DaveInAZ — Mon, 22 Feb 2021 19:14:47 GMT

I don't think there is a 3% category for Clear Points that works for insurance, car or otherwise. The closest is "Business Services", but the description for that is "Business Services - Office Equipment and Supplies, Advertising Services, Courier Services, etc..." so I don't think insurance qualifies. I have a couple 5% category cards (US Bank Cash+, Elan Max Cash, Discover) and none of those work either so I just use my PayPal MC with 2% on any purchase.

Re: Help on BBVA Merchant code

Anonymous — Mon, 22 Feb 2021 20:21:28 GMT

Utilities would cover it if it's covered. That category is very broad and I have heard that it works for insurance, both car and health.

https://ficoforums.myfico.com/t5/Credit-Cards/BBVA-Clear-Points-Question/td-p/6248431#

https://ficoforums.myfico.com/t5/Credit-Cards/BBVA-ClearPoints-categories/m-p/6181828/highlight/true#M1754323

Re: Help on BBVA Merchant code

NoMoreE46 — Wed, 24 Feb 2021 18:48:58 GMT

Thanks @Anonymous and @DaveInAZ .

I have my 3x for Utilities and I will see if this works.

Re: Help on BBVA Merchant code

Anonymous — Wed, 24 Feb 2021 20:57:06 GMT

Yes I have the clear points card and have Utilities as my 3x category, and auto insurance counts. (Have used both geico and progressive)

Re: Help on BBVA Merchant code

NoMoreE46 — Wed, 24 Feb 2021 21:04:40 GMT

@Anonymous wrote:
Yes I have the clear points card and have Utilities as my 3x category, and auto insurance counts. (Have used both geico and progressive)

Sweet. Thanks @Anonymous !

Re: Help on BBVA Merchant code

UncleB — Thu, 25 Feb 2021 18:25:35 GMT

Since we're chatting about BBVA and merchant codes, does anybody happen to know if MCC 5983 (Fuel Dealers-Coal, Fuel Oil, Liquefied Petroleum, Wood) is classified as utilities? (It's not on the U.S. Bank Cash+)

I've been using my Limitless for this (2.5%) so it's not as if the jump to 3% would be major, but in the winter months that one gets ~$2k and my BBVA ClearPoints could use some exercise, LOL.

Re: Help on BBVA Merchant code

overorange — Thu, 04 Mar 2021 21:32:03 GMT

USAA car/renters insurance codes for me as utilities for BBVA. Anyone know if it's the same on the USB Cash+ or Max Cash Preferred?

Re: Help on BBVA Merchant code

K-in-Boston — Thu, 04 Mar 2021 21:29:14 GMT

@overorange wrote:
USAA car/renters insurance codes for me as utilities for BBVA. Anyone know if it's the same on the USB Cash+?

Cash+ is very strictly gas, electric, water, and waste management MCCs for Utilities.

Re: Help on BBVA Merchant code

NoMoreE46 — Tue, 30 Mar 2021 15:33:10 GMT

To close this out, I did get 3x rewards from BBVA on my auto insurance charge under Utilities category.

AUTO-OWNERS INSURANCE Utilities - Purchase Earned 1,228.06 + 3,684 Points

Build Your Own Rewards - base plus 2 + 2,456

1 base point per dollar + 1,228