FlyerTalk Forums - View Single Post - Bank of America Cash Rewards - 3% category qualifying options
Old Dec 13, 2018, 2:50 pm
Join Date: Oct 2007
Programs: AA, WN, UA, Bonvoy, Hertz
Posts: 2,506
Online Shopping BofA Data Needed!

Okay folks, we really need to start doing some data gathering on the Online Shopping category. Unless BofA releases any specifics on this category, the best case assumption is to use the Online Transaction flag. I am going to give some examples of merchant processors, merchants or categories that we can use the collective help from users of BofA cards prior to the launch to see if they might count.

The flag again is called Online Transaction and you have to click on the transaction on the mobile app or open the arrow on the online banking portal to see if this flag is Y or N. You can post the information if you see something that has not already been determine OR if you have something useful to add for this flag use.

Any BofA card that has these examples are okay AND Visa/MC, doesn't matter. Also, use of the three digit security code on the back of the card for the online transaction is not a mandatory thing as some online retailers don't ask for it, but it might impact the flag result.

Here is the example list to look for example BofA transactions:

Amazon (both marketplace and direct items sold, they have different merchant descriptions sometimes)
Ebay (both the new direct card payment and Paypal option) YES
Paypal - online (stores that have the option at checkout) YES
Paypal - in-store (using a linked BofA card)
Paypal - Samsung Pay connected
Samsung Pay (in-store) (does not qualify)
Google Pay/Android Pay (both online and in-store use)
Apple Pay (both online and in-store use)
Play Store (Android)
Walmart Pay (both online and in-store QR use)
Best Buy online
Groupon/Living Social/Travelzoo
Theme park tickets online (Undercover Tourist, other sites)
Masterpass online (remember, Masterpass takes non-MC cards)
Visa checkout online
Cable/Utility/Phone Bill online (both automatic pay setup online AND one-time pay)
Taxes paid online with service fee (Heartland or others)
Government services online with no service fee (DMV, court fees, etc.)
School tuition paid online (universities, college, secondary/elementary schools)

Direct airline ticket bought online
Online travel agencies (all kinds prepaid, travel activities, OTA is shown as merchant, airline is shown as merchant)
App-based payments (Caviar, Postmates, Uber, Uber Eats, Lyft, Starbucks, Dunkin)
Online hotels, train/rental cars/shuttle services (prepaid, deposit and pay at end, but only when you never provide the physical card to the merchant ever, even at check-in/pick-up or end of use and only entered the card online)
Google Express
Pizza services ( online or app)
Netflix/Sling/Hulu/Spotify/etc. (mostly reoccurring transaction)
Restaurants direct pay online or app (Revel online order, BJs app)
Insurances paid online (home, car, life, etc. both one-time and automatic setup online)
Direct restaurants paid in app for pick-up or delivery (Wendys, McDonalds, Taco Bell, CFA, etc.)
Online donations/charity both one-time and setup online reoccurring
HomeDepot/Lowes online orders (both delivery and for pick-up)
Movie tickets - Atom, Fandango, AMC direct, Regal direct, others (both app and website examples)
Recharge travel pass (toll pass or mass transit pass where transaction for recharge only setup online)
Tickemaster/theater/concerts/axs/stubhub/others bought only online (can be paper or e-ticket)

Useful overseas examples of online transactions on BofA cards welcomed (train companies, regional airlines, online ticket purchases, taxi apps).

I am a bit worried about reoccurring charges versus single-pay online ones, but I need data to know that answer.

Last edited by rasheed; May 8, 2019 at 9:57 am
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