Easy explanation, my personal Auto insurance policy just renewed 7/10 @ $5,400.xx for the next policy year.

I paid this before 7/1, and I had multiple choices of how to do so, (ranked in value to me).

#1: ACH/debit from checking = $0 rewards.

#2: Citi DC = 2% cashback, = $108

#3 Amex Business Blue Plus @ 2x MR/$ = 10,800 MR's = ???

#4: 27 $200 VGC/MCGC gift cards purchased @ Staples load fee free with Ink+/Ink Cash = 27,000 UR's

Obviously, option #4 is best, (and that's what I did).

My term "Category Change" simply refers to the fact that I Earned these 27K UR's via a category called "Office Supply", (but the end use category was actually Insurance which I've never seen as a bonus category).