How to Redeem Cash Back Bank of America

Bank of America® Customized Cash Rewards Credit Card Cash Back Categories & Exclusions

Choose how you earn rewards

in the category of your choice

at grocery stores & wholesale clubs

Earn 3% and 2% cash back on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.

Maximize your cash back with categories that fit your needs

Earn 3% cash back on your choice of one of the six categories shown below. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking App. You can change it once each calendar month, or make no change and it stays the same. Until you change your category for the first time, it will be set to Gas.

How your purchases are categorized

Merchants are assigned a merchant category code (MCC) based on the kinds of products and services they sell. Bank of America does not determine which MCC a merchant chooses to classify itself, therefore some purchases may not fall into the category where you might expect them to appear. We do group similar MCC's into grocery store, wholesale club, and choice categories to help you earn cash back on purchases made at specific merchants. Please see the category details for examples and exceptions.

Gas

For your road trip, your everyday commuting and beyond, cash back on gas can add up when you're on the go. Earn your cash back at the pump, service stations, marinas, and fuel dealers.

Category detailsfor Gas

Qualifying merchant categories*

The Gas category includes purchases in a wide variety of merchant categories* including:

Automated Fuel Dispensers | Fuel Dealers for Coal, Fuel Oil, Liquefied Petroleum and Wood | Marinas and Marine Service and Supplies | Service Stations, with or without Ancillary Services

(Wholesale clubs that offer pay at pump locations could also appear in this category.)

Merchant Examples**

• BP
• Chevron
• Exxon Mobile
• Shell
• SUNOCO

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

Online Shopping

Make Online shopping more rewarding. From books and music, to fashion, electronics, toys and more – whether you're shopping online or on your mobile device, you could be earning more cash back.

Category detailsfor Online Shopping

Qualifying merchant categories*

The Online Shopping category includes online and mobile app purchases in a wide variety of merchant categories* including, but not limited to:

Bookstores | Clothing and Apparel | Department Stores | Discount Stores | Electronics | Specialty Retail Stores | Sporting Goods

Merchant Examples**

• Amazon.com
• Apple.com (Includes iTunes & Store)
• Bestbuy.com
• Dick'ssportinggoods.com
• Etsy.com
• Groupon.com
• Kohls.com
• Macys.com
• Microsoftxboxlive.com
• Nike.com
• Nordstrom.com
• Target.com
• Ticketmaster.com
• Walmart.com
• Wish.com

Some classes of merchants are excluded from the Online Shopping category as detailed below such as Doctors and Hospitals, Government Services and Taxes, Insurance, Membership Organizations, Schools, Utilities and other non-retail services. For a full listing of exclusions click here.

Insurance

• Direct Marketing of Insurance Services
• Insurance Sales, Underwriting and Premiums

Utilities

• Cable, Satellite and Other Pay Television and Radio Services
• Telecommunications Equipment including Telephone Sales
• Telecommunications Services/Credit Card Activated
• Utilities – Electric, Gas, Sanitary, Water

Colleges, Universities, Professional

• Business and Secretarial Schools
• Colleges, Universities, Professional Schools and Junior Colleges
• Correspondence Schools
• Elementary and Secondary Schools
• Schools and Educations Services (not elsewhere classified)
• Trade and Vocational Schools

Membership organizations

• Associations, Civic, Social and Fraternal
• Clubs, Country Clubs, Membership (Athletic, Recreation, Sports)
• Private Golf Courses
• Political Organizations
• Religious Organizations

Doctors and hospitals

• Ambulance Services
• Chiropractors
• Dentists and Orthodontists
• Doctors and Physicians (not elsewhere classified)
• Hospitals
• Medical and Dental Laboratories
• Medical Services Health Practitioners (not elsewhere classified)
• Nursing and Personal Care Facilities
• Opticians, Optical Goods and Eyeglasses
• Optometrists and Ophthalmologists
• Osteopathic Physicians
• Podiatrists and Chiropodists

Government services and taxes

• Court Cost Including Alimony and Child Support
• Gambling – Government-Owned Lotteries
• Government Administrative Entities Fines
• Government Services (not elsewhere classified)
• Intra-Government Purchase (Government Only)
• Postage Services (Government Only)
• Tax Payments
• Tax Preparation Service

Non-retail services

• Accounting, Auditing and Bookmaking Services
• Advertising Services
• Attorneys, Legal Services
• Child Care Services
• Cleaning and Maintenance, Janitorial Service
• Cleaning, Garment and Laundry Services
• Computer Programming, Data Processing and Integrated Systems
• Design Services
• Consulting, Management and Public Relations Services
• Consumer Credit Reporting Agencies
• Courier Services (Air and Ground, Freight Forwarders)
• Debt, Marriage, Personal Counseling Service
• Detective Agencies, Protective Agencies, Security Services Including Armored Car
• Employment Agencies, Temporary Help Service
• Exterminating and Disinfecting Services
• Motorfreight Carriers, Trucking, Local/Long Distance, Moving/Storage
• Company, and Local Delivery Services
• Professional Services (not elsewhere classified)
• Public Warehouse (Farm Products, Refrigerated Goods, Household Goods Storage)
• Recreational and Sporting Camps
• Veterinary Services

Miscellaneous

• POI Funding Transactions

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

Dining

Whether you dine in or take out, treat yourself to more cash back when you let someone else do the cooking.

Category detailsfor Dining

Qualifying merchant categories*

The Dining category includes purchases in a wide variety of merchant categories* including:

Eating Places, Restaurants | Fast Food Restaurants | Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns/Drinking Places

Merchant Examples**

• Chili's
• Chipotle
• Domino's Pizza
• Grubhub
• McDonald's
• Olive Garden
• Panera Bread
• Starbucks
• Subway
• The Cheesecake Factory

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

Travel

Travel includes your everyday travel purchases, like parking, public transit, taxis/ride share, as well as the special getaways you plan all year like that trip to visit family or to explore a new destination. From traditional travel such as airfare to hotels to tourist attractions, campgrounds and boat rentals watch the cash back add up.

Category detailsfor Travel

Qualifying merchant categories*

The Travel category includes purchases in a wide variety of merchant categories* including:

Airlines, Air Carriers, Airports, Airport Terminals, Flying Fields | Amusement Parks, Carnivals, Circuses, Fortune Tellers | Aquariums, Dolphinariums, Zoos and Seaquariums | Art Dealers and Galleries | Boat Leases and Boat Rentals | Bus Lines | Campgrounds and Trailer Parks | Car Rental Agencies | Cruise Lines | Direct Marketing — Travel-Related Arrangements Services | Hotels, Motels, Resorts | Motor Home and Recreational Vehicle Rental | Package Tour Operators (for use in Germany only) | Parking Lots and Garages | Real Estate Agents and Managers (Rentals) | Recreation Services (not elsewhere classified) | Suburban and Local Commuter Passenger Travel, including Ferries | Taxicabs and Limousines | Timeshares | Truck and Trailer Utility Rentals | Passenger Railways | Toll and Bridge Fees | Tourist Attractions and Exhibits | Transportation Services (not elsewhere classified) | Travel Agencies and Tour Operators

Merchant Examples**

• Airbnb
• American Airlines
• Amtrak
• Delta Airlines
• Enterprise Rent-A-Car
• Expedia
• E-Zpass
• Marriott
• Royal Caribbean Intl.
• Sunpass
• Uber
• United Airlines

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

Drug Stores

From your annual flu shot to prescriptions to health & beauty items, vitamins and batteries. Find it all at your local drug store and earn more cash back.

Category detailsfor Drug Stores

Qualifying merchant categories*

The Drug Stores category includes purchases in a wide variety of merchant categories* including:

Drug Stores/Pharmacies | Drugs, Drug Proprietors and Druggists Sundries

Merchant Examples**

• CVS Caremark
• RiteAid
• Walgreens

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

Home Improvement & Furnishings

From hardware store supplies for a weekend project to furniture and accent pieces that match your style. This category also includes contractors like plumbers, electricians, landscapers and carpenters. Big or small, planned or unexpected, this category includes everything you need to make your place feel like home.

Category detailsfor Home Improvement & Furnishings

Qualifying merchant categories*

The Home Improvement & Furnishings category includes purchases in a wide variety of merchant categories* including:

Air Conditioning and Refrigeration Repair Shops | Antique Shops for Sales, Repairs and Restoration Services | Architectural, Engineering and Surveying Services | Building Materials, Lumber Stores, Carpentry | Carpet and Upholstery Cleaning | Contractors, Concrete | Crystal and Glassware Stores | Drapery, Upholstery and Window Coverings Stores | Electrical Contractors | Electrical Parts and Equipment | Equipment, Furniture and Home Furnishings Stores (except Appliances) | Equipment, Tool, Furniture and Appliance Rental and Leasing | Fireplace, Fireplace Screens and Accessories Stores | Floor Covering Stores | Florist Suppliers, Nursery Stock and Flowers | Furniture Reupholstering, Repair and Refinishing | General Contractor/Residential Building | Glass, Paint, Wallpaper Stores | Hardware Equipment and Supplies | Hardware Stores | Heating, Plumbing, Air Conditioning Contractors | Home Supply Warehouse Stores | Household Appliance Stores | Landscaping and Horticultural Services | Lawn and Garden Supply Stores | Masonry, Stonework, Tile Setting, Plastering, Insulation Contractors | Miscellaneous House Furnishing Specialty Shops | Office and Commercial Furniture | Paints, Varnishes and Supplies | Plumbing and Heating Equipment and Supplies | Roof, Siding and Sheet Metal Work Contractors | Special Trade Contractor (not elsewhere classified)

Merchant Examples**

• Ace Hardware
• Bed Bath and Beyond
• Crate and Barrel
• Harbor Freight Tools
• IKEA
• Lowes
• Menards
• Pottery Barn
• Sherwin-Williams
• The Home Depot
• Trugreen
• Williams-Sonoma

*While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of America does not control how the purchases are classified, so some purchases may not fall into the category where you might expect them to appear.

**Entities listed here are examples of the type of companies/merchants that frequently appear as transactions at Bank of America within this category; this is not a comprehensive list. Listing an entity does not imply affiliation or endorsement.

How to Redeem Cash Back Bank of America

Source: https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/cash-back-category-choices/

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