Dining inside Disney World and Universal... does it MCC code as Restaurants for cashback

[Cowboys4Life]

---

@ElvisCaprice wrote:

---

@Cowboys4Life wrote:

Sorry for the delay in update.  I am back and after 2 days at the Magic Kindgom I can tell you how they code billing is hit or miss.  Buying Lightning Lane passes and one visit to Casey's Corner for a chili dog for breakfast (don't judge) were coded as "ATM/Cash Advance".  Some dining was billed as that or restaurants and others just purchases.  That was all on my NFCU Flagship card.  Your mileage may vary.

---

If it's an ATM/Cash Advance aren't you required to enter a pin number?  If not, I would argue with NFCU about these charges being reversed for purchases.  This is why I like to get my cash advance credit line eliminated or reduced as low as possible.

---

Oddly enough NFCU isn't charging me as though that is what the transaction actually is.  That is just the line underneath it on the statement activity of what type of transaction it is.  I used my Flagship credit card for the purchases and I don't even know if it does have a PIN.  I was never asked for one.  I can say that both the transactions listed that way were mobile orders through the Disney app.  That may have something to do with it.  

[Cowboys4Life]

This is my update not the OP.  Learn from my confusion.  

When you look at your credit card statement online the transaction MIGHT read as something it isn't.  I just spend 40+ minutes on the phone with NFCU and Disney because it appeared on my Flagship card statement the majority of transactions were coded incorrectly as ATM/Cash withdrawals and not dining/restaurant or retail purchases.  I FINALLY got to the correct representative who educated me thank GOD.  Regardless of how it reads on your statement (apparently some banks use their own coding for transactions for their statements not the same as the coding for rewards) just go to the rewards section and see each transaction and what rewards they assigned to it.

The good news is the Lightning Lane passes we purchased were coded as entertainment for a 3% rewards.    Next time I have a question I am starting there.  What a headache.

[SunriseEarth]

---

@Teslaguy wrote:

Hi, any recent data points about dining inside Walt Disney World Orlando and Universal parks and if it classifies those transactions as "Restaurants" for cashback or if categories for purchases inside the park are considered "Tourist Attractions" (7991)?

The cards I plan to use are my Citi Custom Cash (5X on restaurants up to $500) and the PenFed Pathfinder Honors (4X), my backup is PayPal Debit card set to 5% cashback for "Restaurants"

---

IME at Disney World (and also at Disneyland), Quick Service food locations will code as "Fast Food" and Table Service will code as "Restaurants," so your cards will definitely get the dining points at either type of location. I mention this distinction because I typically use my Cash+ card with 5% Fast Food at any Disney quick service location.

However, if you're staying on Disney property and use your MagicBand for any charges, those charges will all be billed as "Hotels/Lodging," which may be useful if you're using a Travel card.

[NAVYCHOP]

I visit Disneyland frequently.  The dining locations seem to code as restaurants/fast food.

Initially I was hoping  they would code  generically as theme park because NFCU Flagship offers the 3 percent for theme parks in the the travel category but only two percent on restaurants.  (I.e. NFCU will offer a 3 percent cash back on Disney admission tickets and passes.)

Now I actually use the BOA Premium Elite card at Disney because that card's travel category includes both theme parks and restaurants.  As a BOA Plat Honors I receive 3.5 percent cash back in the travel/ restaurant category and even 4.375 percent cash back when redeemed for commercial airline tickets.  At that rate when redeemed for airline tickets, we yielded a $153 rebate just for renewing two of the top tier Disneyland annual passes last week.  So far in the last 12 months I have earned more than $5k in credits that I can redeem for air travel.  That makes it my most profitable go-to card.