Originally Posted by
Dr Jabadski
Even with several (NLL) biz golds I’m a little confused with the “… 4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle from 6 categories: …” I’ve previously only used the cards for gas and restaurants, thus always earning 4x, so I've not been able to clear the confusion by experience.
This billing cycle, I made a deposit payment to a golf club for a catered event, thinking it might possibly code as “restaurant” and if so, I should earn 4x on the deposit and future larger payments. For the current billing cycle, that deposit charge will far exceed the total charges for gas and the total charges for restaurants with no other (category) charges on the card.
If the deposit posts as a restaurant, I think I should earn 4x on all charges. If the deposit codes differently, will I earn 4x on all gas and restaurant charges or only on whichever of those 2 categories have the highest total charges (for the billing cycle)? Thank you.
I understood how this works and you almost confused me...
Let's boil it down to the simplest case; if your golf club event does
not code as a restaurant, then its completely out of scope and irreverent, it will post as 1X. In that case, yes, you get 4X for all purchases in the top two categories of the 6 eligible. So it seems in your case that would be restaurant and gas.
Now obviously, if your golf club charge codes as restaurant, then it will be lumped in with your other restaurant charges and you will earn 4X on all restaurant charges, as well as 4X on the charges in your second highest spend eligible category (so sounds like in your case, gas).
Regards