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Credit card for AI Subscription

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DoogieBall
Regular Contributor

Credit card for AI Subscription

I'm planning on biting the bullet for an AI subscription.  Most likely Google AI Pro. 

 

Does anyone know how these may code?

I'm thinking internet service provider.

Is it technically a streaming service?  Digital entertainment?

I wouldn't mind earning a few extra $$ or points.  Just trying to figure out what CC to use.

   

R.I.P Cards 





Message 1 of 12
11 REPLIES 11
pizzadude
Credit Mentor

Re: Credit card for AI Subscription

Moved to Credit Cards

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 12
GZG
Senior Contributor

Re: Credit card for AI Subscription


@DoogieBall wrote:

I'm planning on biting the bullet for an AI subscription.  Most likely Google AI Pro. 

 

Does anyone know how these may code?

I'm thinking internet service provider.

Is it technically a streaming service?  Digital entertainment?

I wouldn't mind earning a few extra $$ or points.  Just trying to figure out what CC to use.


I assume US bank's triple cash's $100 software credit would code for any of the AI subscriptions, would have to confirm though

Starting FICO 8:
Current FICO 8:



Message 3 of 12
unsungivy
Valued Contributor

Re: Credit card for AI Subscription


@GZG wrote:

@DoogieBall wrote:

I'm planning on biting the bullet for an AI subscription.  Most likely Google AI Pro. 

 

Does anyone know how these may code?

I'm thinking internet service provider.

Is it technically a streaming service?  Digital entertainment?

I wouldn't mind earning a few extra $$ or points.  Just trying to figure out what CC to use.


I assume US bank's triple cash's $100 software credit would code for any of the AI subscriptions, would have to confirm though


Possibly.

 

Almost certainly a card with "Online Shopping" would.

AU - Sock - On my
Biz - Debit Cards -
Chopping Block -
Message 4 of 12
Gollum
Established Contributor

Re: Credit card for AI Subscription


@DoogieBall wrote:

I'm planning on biting the bullet for an AI subscription.  Most likely Google AI Pro. 

 

Does anyone know how these may code?

I'm thinking internet service provider.

Is it technically a streaming service?  Digital entertainment?

I wouldn't mind earning a few extra $$ or points.  Just trying to figure out what CC to use.


Google's Gemini 2.5 Pro (preview) says (in part) "... your credit card company would likely categorize the charge as something like 'online services' or 'digital products.'" It could be wrong, though. Smiley Happy


Google's Pixel 9 Pro phones launched with one year free Gemini Advanced. The Pixel 10 is expected to launch in August; I'm hoping it will have one year of free AI Pro. Some information about the tiers: https://9to5google.com/2025/05/21/gemini-app-limits-may-2025/ (May 21, 2025)

 

Credit Scores (FICO 8): 844 Experian June 2026, 831 TransUnion May 2026
Credit Cards (newest to oldest): U.S. Bank Cash+ $17,300 | NFCU Platinum $25,000 | BECU Cash Back $12,500 | American Express BCE $9000 | Simmons Bank Visa $10,500 | Capital One Quicksilver Visa Signature (upgrade from Quicksilver Visa Platinum, which was a PC from No Hassle Miles Rewards Visa Platinum) $5750
Message 5 of 12
AlbertoJadenz
New Visitor

Re: Credit card for AI Subscription


@Gollum wrote:

@DoogieBall wrote:

I'm planning on biting the bullet for an AI subscription.  Most likely Google AI Pro. 

 

Does anyone know how these may code?

I'm thinking internet service provider.

Is it technically a streaming service?  Digital entertainment?

I wouldn't mind earning a few extra $$ or points.  Just trying to figure out what CC to use.


Google's Gemini 2.5 Pro (preview) says (in part) "... your credit card company would likely categorize the charge as something like 'online services' or 'digital products.'" It could be wrong, though. Smiley Happy


Google's Pixel 9 Pro phones launched with one year free Gemini Advanced. The Pixel 10 is expected to launch in August; I'm hoping it will have one year of free AI Pro. Some information about the tiers: https://9to5google.com/2025/05/21/gemini-app-limits-may-tubidy-2025/ (May 21, 2025)

 


I also thought the same thing before subscribing. From my experience, the bill appears as “Digital Services” on the card statement. So if you have a card that gives bonuses for that category, you can get quite a bit of extra points. But I think each bank can be different, depending on their categorization system.

Message 6 of 12
creditrizz
Frequent Contributor

Re: Credit card for AI Subscription

GPT Pro gets recognized as software/computer services for the 4X category on my amex biz gold.  If google codes it like they do their other cloud services it should be the same.




Equifax:833, TransUnion:830, Experian: 832
Message 7 of 12
Gregory1776
Valued Contributor

Re: Credit card for AI Subscription

Interested in this as well. Use grok/twitter mostly, not through the App Store. 

I am interested in the Google AI as I saw the AI video stuff is incredible. Veo or something.



Experian [817] TransUnion [8**] Equifax [834]

Total Revolving Limits [$236,500]

PenFed Loan: $679/$8,000
Message 8 of 12
Gollum
Established Contributor

Re: Credit card for AI Subscription

It looks as though the release date for the Pixel 10 is August 20, 2025.

https://www.androidheadlines.com/google-pixel-10-release-date (June 02, 2025)

 

Edit: I'm using my backup phone Pixel 7 Pro after my Pixel 10 9 Pro XL was stolen. Smiley Sad

I suggest setting the screen lock to 15 seconds before leaving home. Even my Pixel 7 Pro unlocks (using my fingerprint) in a split second, so the 15 second screen lock is not inconvenient.

Credit Scores (FICO 8): 844 Experian June 2026, 831 TransUnion May 2026
Credit Cards (newest to oldest): U.S. Bank Cash+ $17,300 | NFCU Platinum $25,000 | BECU Cash Back $12,500 | American Express BCE $9000 | Simmons Bank Visa $10,500 | Capital One Quicksilver Visa Signature (upgrade from Quicksilver Visa Platinum, which was a PC from No Hassle Miles Rewards Visa Platinum) $5750
Message 9 of 12
USMCOne
Regular Contributor

Re: Credit card for AI Subscription

Not exactly sure on that but probably like Apple. Even Apple gift cards are coded so you get 6% cash back. I make out like mad on Apple products. Amex points for gift cards when they are running a promo..10% off for veterans discount, refurb discount, then 6% off any remaining by buy buying gift cards. 

Message 10 of 12
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