Help on BBVA Merchant code

[NoMoreE46]

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.   😠

[DaveInAZ]

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.

[Anonymous]

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...

[NoMoreE46]

Thanks @Anonymous and @DaveInAZ .

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

[Anonymous]

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

[NoMoreE46]

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@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)

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Sweet.   Thanks @Anonymous !

[UncleB]

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.

[overorange]

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?

[K-in-Boston]

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@overorange wrote:

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

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

[NoMoreE46]

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