Originally Posted by
jags86
Well I decided to chat with AMEX last night to go over some charges that only earned 1x instead of 4x.
I knew some of them were a shot in the dark and some others were legitimate:
Shot in the dark charges:
Shop Rite Liquor Store: Shows as “Merchandise & Supplies: Groceries”. Told liquor stores don’t count
Iffy charges:
Bakery/Cafe’ where I had bought some pastries. Shows as “Merchandise & Supplies: Groceries”. Really is a restaurant. Told that because it’s first category is “Merchandise & Supplies” I would only get 1x. I told the chat rep that Shop Rite grocery stores also code as “Merchandise & Supplies: Groceries” and I receive 4x. I was told “it’s not on the list”
Legitimate restaurant charges:
1 coded as: “Restaurant: Bar and Cafe’”. Rep told me it’s not listed as a “US Restaurant”. I said the address is clearly listed in the United States. I was told “American Express is not responsible for how merchant’s code themselves”.
2 coded as: “Restaurant: Restaurant”. Rep copy and pasted same response as above and supposedly put in a “claim”.
Gave the “I am a good customer why are you giving me a hard time over a few 100 points on blatant errors” spiel and got nowhere. I know I should call but I hate spending time on the phone with them over less than 1000 points.
I know chat reps are empowered to do literally nothing, but to me it’s a wasted resource if it just leads to customer frustration.
No idea why is Visa less strict than Amex for grocery and restaurants category. I've using my Chase freedom for groceries category this quarter and the only places I didn't get the 5x were Target and Costco. I wasn't sure about those places at first so I tested a few charges. I later found out discount and wholesale clubs are not covered in the category. I also tried my BofA Premium card at the places where I was given 1x with AMEX gold. I got 3.5% with my BofA Premium card vs 1x AMEX gold. Kinda annoying but oh well.