As the title states, I got an email stating the following:
Recently, your Gold Card expenses resembled business spending more than personal spending. Be mindful that business expenses are not permitted on the Gold Card, and cash-like transactions are not eligible to earn rewards.
Our terms¹ also specify that rewards can be restricted for using the card for non-personal expenses. As a result, you’ll be earning 1 point per dollar spent for the next 12 months.
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I thought this was odd, so I asked support which transactions they suspected were business transactions and they listed the following to me: SoundCloud, OpenAI, Shippo, Google
I guess they don't realize that SoundCloud can be used for listening to music, OpenAI is so I can use ChatGPT with no limits, Shippo is used so I can ship stuff to family across the state cheaper than the UPS Store, and Google is used for increasing my mailbox limit.
Picture here: https://i.imgur.com/apri7wb.png
Robinhood lowered my cashback reward to 1x over spending it on SoundCloud, ChatGPT, Google, etc
byu/unfuze inCreditCards
Posted by unfuze
4 Comments
That is ridiculous, I imagine support was not helpful?
wow, that’s crazy.
The others are silly but Shippo is pretty explicitly for businesses
>Shippo is a San Francisco-based shipping software company that provides e-commerce businesses with a platform to manage and streamline their shipping
Yeah thats why I am limiting my gold card to what I can’t get 3% on with my Paypal mastercard.
IE I ship things too but use pirateship which bills Paypal each use.
I suspected that could trigger it. I recently did a lot of online shopping and put as much on Paypal mastercard vs gold card in case of that.
As for a data point, how long have you been using the card for? How many billing cycles ?