Originally Posted by
maradori
gut feel, if BofA starts restricting it, they might do a quarterly cap, similar to the BoA Customized Cash card (pick one category to get 3% cash back + 75% bonus for being BofA Platinum Honors = 5.25% cash back + 2% (+ 75% = 3.5% cash back) on grocery stores and warehouse club -- they limit the cash back to $2500 combined per quarter)
All they have to do is limit online transactions. Only physical foreign transactions count. No any type of pay except apple/samsung/google using your phone physically.