I was finally prompted to choose a category for both of my Cash Rewards cards this morning. I chose online shopping, but after taking a closer look at the exclusions, I think many transactions won’t qualify for the 3%. I looked the transaction history for my BoA Premium Rewards to see what some of my recent spend was being categorized as. My last eBay purchase to purchase some Verizon refill cards was coded as Telecommunications, which would have been excluded. I also purchased contact lenses online a few months ago that coded as Opticians, which also would have been excluded. My tax payments, insurance payments, and online payments for all of my daughter’s activities (swimming, gymnastics, lunch money top-up, etc.) would also be excluded.