2019年开始，BoA Cash Rewards 信用卡进行了一个改版，其3%返现的类别变成了在几个类别中自己选择一个。在这几个选项中，最引人瞩目的自然是 online shopping 类别，其涵盖范围可以很广。类似于之前的 Citi AT&T 3x 类别商家列表收集贴，本帖也收集一下哪些商家在 BoA Cash Rewards 上算 online shopping 哪些不算。欢迎大家积极汇报数据点！
首先说一下，在这个文档中，BoA 为 online shopping 类别明确列出了一些子类别是被排除了的，它们是：
- Insurance
- Utilities
- Colleges, Universities, Professional Schools and Junior Colleges
- Membership Organizations
- Doctors and Hospitals
- Government Services and Taxes
- Non-Retail Services
- Miscellaneous (里面只有一项叫 POI Funding Transactions)
因此那些很明确在这些子类别里的网站就不需要单独汇报数据点了。
算作 3% 的商家
- aa.com
- airbnb.com
- amazon.com
- apple.com (includes iTunes & Store)
- bestbuy.com
- bhphotovideo.com
- cardcash.com
- cardpool.com
- costco.com
- dell.com
- dickssportinggoods.com
- ebay.com (without Paypal)
- ebay.com (via Paypal)
- etsy.com
- facebook marketplace
- giftcardmall.com
- giftcards.com 这里数据点有冲突 欢迎大家继续汇报
- groupon.com
- kohls.com
- homedepot.com
- kroger.com
- macys.com
- microsoftxboxlive.com
- mygiftcardsplus.com (via Paypal)
- neimanmarcus.com
- nike.com
- nordstrom.com
- officedepot.com
- points.com
- qvc.com
- raise.com
- rakuten.com
- samsclub.com 这里数据点有冲突 有人说会被算作2%的类别wholesale 有可能2%的是自提的
- simon.com
- staples.com
- supremenewyork.com
- target.com
- ticketmaster.com
- uber
- walmart.com
- walmart pay
- wish.com
- yamibuy.com
不算 3% 的商家
- laundry machine charge
- mygiftcardsplus.com (without Paypal)
- plastiq.com (MasterCard version)
- southwest.com
- VENTRA (Chicago transit card) loading money in-app
其他
- plastiq.com (Visa version): Visa版的 BoA Cash Rewards 卡在Plastiq的消费会被算作 Cash Advance 从而得不到任何返现。
Bank of America Cash Rewards (Visa issued cards only): This card cannot be used to make payments through Plastiq as such transactions will be treated as a cash advance, and incur all cash advance-related fees & receive no card rewards. We recommend changing the card to one that will not be impacted (as listed above).
HT: DoC.
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