AMEX 3% Online Retail is OP

[mfinsmi1]

I thought this would be somewhat limited but even the myfico monthly sub cost got that 3% back .... clearly anything you purhcase off a www. will get 3% .  

this 6k cap is gonna be much easier to reach now 🙈

edit: For My next test im gonna try tv streaming sites like peacock to see if that can somehow code as an online purhcase - if this works im gonna be mind blown. 

[Anonymous]

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@mfinsmi1 wrote:

I thought this would be somewhat limited but even the myfico monthly sub cost got that 3% back .... clearly anything you purhcase off a www. will get 3% . 

this 6k cap is gonna be much easier to reach now 🙈

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Yes, with this and the PPMC (which is uncapped for Paypal) a lot of online purchases can get 3%, partially making up for the any nerfing of the current flat 3% cards

[mfinsmi1]

@Anonymous and the fact you can checkout on apple.com with paypal - is there even a need for the apple card anymore 

tbh im thinking about apping for the paypal card now instead of the apple card 

[Bill77]

The BofA CCR 3% online category is more expansive than Amex's which has some notable exclusions in the fine print.  Also, the PPMC would my choice over apple.  The Apple Card penalizes you for actually using the physical card (1% CB).

[mfinsmi1]

@Bill77 ive been looking for the fine print but i cant find it - can u copy and paste it here or send a link to it . i wanna see what it says 

also even tho that may be true - with amex u also get 3% on gas and grocery where as boa its 2% and either or gas or online retail ... still want to see these limitations tho thanks in advance!

[isik]

Why not both?
I know I've filled BofA's quarterly limit of $1500 for 3% on online purchases before. Both means you have double the limit.

[wasCB14]

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@isik wrote:

Why not both?
I know I've filled BofA's quarterly limit of $1500 for 3% on online purchases before. Both means you have double the limit.

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BofA uses a $2500 quarterly cap for 3x/2x purchases combined.

Unless your card is some unusual exception, at least.

[isik]

Sorry it was a typo. Yes, $2500. 

[Bill77]

https://www.reddit.com/r/CreditCards/comments/w0affa/amex_online_shopping_how_strict_is_it/

https://www.reddit.com/r/CreditCards/comments/hajcpt/boa_cash_rewards_online_shopping_category_hack/

https://www.reddit.com/r/CreditCards/comments/jft5kz/bank_of_america_cash_rewards_3_bonus_category/

[mfinsmi1]

haha the more the merrier for sure ... but its interesting on the reddit post it says purchases that offer a service dont count yet myfico went thru . and i guess the streaming service i wanted to test wont work im still gonna try for one month just to see ... but yeah BOA may be a lot more flexible as everyone said