Gas Stations are
classified as merchants that sell fuel primarily for consumer use and may or may not be attended.
Drugstores are
classified as merchants that sell prescription and proprietary drugs and nonprescription (over-the-counter) medicines.
Grocery stores, including supermarkets, are
classified as merchants that provide a complete line of food merchandise for home consumption.
This offer includes convenience stores which are
classified as merchants who sell a limited variety of food items.
Gas stations are
classified as merchants that primarily sell vehicle fuel for consumer use.
Department Stores are
classified as merchants that provide a general line of merchandise from departments that usually have separate checkout counters.
Home Improvement Stores are
classified as merchants that primarily sell hardware, appliances and / or tools for home repair and remodeling.
Not exact matches
Visa ® USA determines which transactions are
classified as gas purchases paid at the pump and supermarket purchases based on
Merchant Category Codes.
As explained in the previous chapter, listing fees are similar to
classified ads where they charge
merchants when they post a new listing on the marketplace.
Avid gamers will like that GameStop is
classified as a «Video Amusement Game Supplies»
merchant, meaning purchases there fall under the 2x point category
as well.
«In addition to the 1 % cash back, you will also earn 2 % cash back for each $ 1.00 of eligible Net Purchases made at retail establishments that
classify their
merchant location for Visa
as a gas station, grocery store or fast food restaurant, on the first $ 600 in spending in these categories each billing cycle.»
Some
merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate
merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be
classified with a gas or grocery MCC and such Purchases will not earn the Gas Rebate or Grocery Rebate,
as applicable.
4 Earn 3 % in Cash Back Dollars («PAP Rebate») on each $ 1.00 in payments made on a monthly or other regularly recurring basis for
merchant bills, including insurance premiums, magazine / newspaper / online streaming subscriptions, membership fees and telecommunication fees, that are set up by the
merchant with your consent to be automatically charged to your TD Cash Back Credit Card Account («Account») and that are
classified through the Visa network
as «recurring payments» («Pre-Authorized Payments»).
Some
merchants may sell airline tickets but are
classified in another manner, in which case they are not treated
as qualified airline purchases.
Royal Bank of Canada («Royal Bank») can not guarantee that any
merchant, operating in whole or in part
as a grocery store, is
classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a
merchant that is not
classified by MCC 5411.
Gas and restaurant purchases are those made at
merchants classified as gas stations and full service restaurants, cafes, cafeterias and fast - food locations.
2 % Cash Back applies at
merchants which are
classified in the Visa Inc. (Visa) network
as Grocery Stores & Supermarkets, Drug Stores & Pharmacies, Service Stations (with or without ancillary services), Automated Fuel Dispensers and Recurring Payments (
Merchant Codes: 5411, 5541, 5542 & 5912).
Purchases made at
merchants classified by Visa's «
Merchant Category Code» (MCC)
as: (i) «service stations» (MCC 5541) or «automated fuel dispensers» (MCC5542) are «Gas Purchases»; (ii) «grocery stores» (MCC 5411) are «Grocery Purchases»; and (iii) «drug stores & pharmacies» (MCC 5912) are «Drug Store Purchases» («Eligible MCCs»).
Even though some
merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify
as Eligible MCCs if the
merchant is not
classified as such by Visa.
Also, you may make a purchase at a
merchant that is not
classified as an Eligible MCC but is located on the premises of a
merchant that is
classified as an Eligible MCC, in which case your purchase would not qualify
as an Eligible MCC.
As U.S. Bank can not control how
merchants choose to
classify transactions, U.S. Bank can not guarantee that a transaction will qualify.
Gas purchases are those made at
merchants classified as gas stations.
Gas and restaurant purchases are those made at
merchants classified as gas stations and full service restaurants, cafes, cafeterias and fast - food locations.
As long as the merchant category code is classified as dining or travel, you should earn double points, but of course, exceptions do appl
As long
as the merchant category code is classified as dining or travel, you should earn double points, but of course, exceptions do appl
as the
merchant category code is
classified as dining or travel, you should earn double points, but of course, exceptions do appl
as dining or travel, you should earn double points, but of course, exceptions do apply.
Although most gas stations, restaurants, department, toy and game stores will use
merchant category codes selected for this offer, it is possible that some have designated a
merchant category code that is not
classified as such and therefore any purchases made will not qualify for the promotion.
Net Purchases during each billing cycle will be calculated for transactions that a
merchant classifies as travel (such
as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies) and a corresponding statement credit will be applied to your Account the next time it cycles.
Card companies use what are known
as merchant category codes (MCC) to
classify transactions from different retailers.
In addition, if you purchase or pay for your internet, cable and satellite television, phone or related services in a
merchant's store that is not
classified by the
merchant in the applicable services category, the purchase or payment will not qualify; for example, phone bill payments in a
merchant's store that is
classified as a telephone equipment store.
Merchants qualifying for the accelerated earn rate: The accelerated earn rate applies to purchases made at American Express merchants in the Gas, Grocery, Dining and Entertainment categories, classified in the American Express network as: Gas Service Stations (with or without Ancillary Services and with Merchant Code: 5541) and Automated Fuel Dispensers (Merchant Code: 5542); Grocery Stores and Supermarkets (Merchant Code: 5411); Eating Places and Restaurants (Merchant Code: 5812); Drinking Places (Alcoholic Beverages) including Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques (Merchant Code: 5813); Fast Food Restaurants (Merchant Code: 5814); Entertainment including Motion Picture Theaters (Merchant Code: 7832), Theatrical Producers (except Motion Pictures) and Ticket Agencies (Merchant Code: 7922), Bands, Orchestras and Miscellaneous Entertainers - Not Elsewhere Classified (Merchant Cod
Merchants qualifying for the accelerated earn rate: The accelerated earn rate applies to purchases made at American Express
merchants in the Gas, Grocery, Dining and Entertainment categories, classified in the American Express network as: Gas Service Stations (with or without Ancillary Services and with Merchant Code: 5541) and Automated Fuel Dispensers (Merchant Code: 5542); Grocery Stores and Supermarkets (Merchant Code: 5411); Eating Places and Restaurants (Merchant Code: 5812); Drinking Places (Alcoholic Beverages) including Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques (Merchant Code: 5813); Fast Food Restaurants (Merchant Code: 5814); Entertainment including Motion Picture Theaters (Merchant Code: 7832), Theatrical Producers (except Motion Pictures) and Ticket Agencies (Merchant Code: 7922), Bands, Orchestras and Miscellaneous Entertainers - Not Elsewhere Classified (Merchant Cod
merchants in the Gas, Grocery, Dining and Entertainment categories,
classified in the American Express network as: Gas Service Stations (with or without Ancillary Services and with Merchant Code: 5541) and Automated Fuel Dispensers (Merchant Code: 5542); Grocery Stores and Supermarkets (Merchant Code: 5411); Eating Places and Restaurants (Merchant Code: 5812); Drinking Places (Alcoholic Beverages) including Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques (Merchant Code: 5813); Fast Food Restaurants (Merchant Code: 5814); Entertainment including Motion Picture Theaters (Merchant Code: 7832), Theatrical Producers (except Motion Pictures) and Ticket Agencies (Merchant Code: 7922), Bands, Orchestras and Miscellaneous Entertainers - Not Elsewhere Classified (Merchant Co
classified in the American Express network
as: Gas Service Stations (with or without Ancillary Services and with
Merchant Code: 5541) and Automated Fuel Dispensers (
Merchant Code: 5542); Grocery Stores and Supermarkets (
Merchant Code: 5411); Eating Places and Restaurants (
Merchant Code: 5812); Drinking Places (Alcoholic Beverages) including Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques (
Merchant Code: 5813); Fast Food Restaurants (
Merchant Code: 5814); Entertainment including Motion Picture Theaters (
Merchant Code: 7832), Theatrical Producers (except Motion Pictures) and Ticket Agencies (
Merchant Code: 7922), Bands, Orchestras and Miscellaneous Entertainers - Not Elsewhere
Classified (Merchant Co
Classified (
Merchant Code: 7929).
See the
Merchant Categories below for further details on what qualifies in these categories based on the applicable merchant code as classified under the Visa credit card n
Merchant Categories below for further details on what qualifies in these categories based on the applicable
merchant code as classified under the Visa credit card n
merchant code
as classified under the Visa credit card network).
The Ink Bold Business Card offers a 5X bonus for «
merchants that
classify their
merchant location for Visa / MasterCard in any of the following categories: wireless / telecommunicatioins services (excluding equipment such
as phones and fax machines), cable and satellite television and radio services...» so you want to make sure you're getting the full benefit of this 4X bonus
as soon
as possible after receiving and activating your card.
FlexPerks Travel Rewards Visa Signature Cardmembers will earn FlexPoints at a rate of three (3) FlexPoints per every $ 1 in eligible Net Purchases during each billing cycle for any
merchant location that
classifies itself
as a Charitable and Social Service Organization (through 12/31/2017, then two (2) FlexPoints per every $ 1 thereafter).
Also, you may make a purchase at a
merchant that is not
classified as an Eligible MCC but is located on the premises of a
merchant that is
classified as an Eligible MCC, in which case your purchase would not qualify
as an Eligible MCC.
Royal Bank of Canada («Royal Bank») can not guarantee that any
merchant, operating in whole or in part
as a grocery store, is
classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a
merchant that is not
classified by MCC 5411.
5 % cash rewards (1 % base plus 4 % bonus) are earned for every $ 1 spent in net purchases (purchases minus returns / credits) during the first 6 months, from the date the credit card account is opened, at retailers whose
merchant code for Visa is
classified as grocery stores, drugstores, and gas stations.
Grocery Store Purchases are purchases made at
merchants classified by Mastercard's «
Merchant Category Code»
as «grocery stores and supermarkets» (MCC 5411).
We can not guarantee that any
merchant, operating in whole or in part
as a gas, grocery or drug store, is
classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a
merchant that is not
classified as an Eligible MCC.
3 % cash rewards (1 % base plus 2 % bonus) are earned for every $ 1 spent in net purchases (purchases minus returns / credits) during the first 6 months, from the date the credit card account is opened, at retailers whose
merchant code for Visa is
classified as grocery stores, drugstores and gas.