Just noticed on this month's statement that I haven't been receiving any reward points for daycare bills that I charge to the card ($3K/mo). Didn't receive any points for the December charge either…
Prior to that, Nov and going all the way back to account opening, this was a regular 6000~ points. What gives? These charges are category "Babysitter and Daycare" so they weren't part of any exclusion criteria when I got the "good nerf" letter.
USB Smartly no longer receiving rewards for daycare?
byu/Slight_Taro7300 inCreditCards
Posted by Slight_Taro7300
5 Comments
[deleted]
Maybe something change with the merchant.
That’s very strange. It’s possible that daycare bills no longer qualify for elevated cashback due to being classified as “education/school,” but they should still earn the base 2% cashback:
* “Not all Purchases are eligible to earn the Smartly Earning Bonus: Purchases classified as (1) **education/school**, gift cards (including discount gift card sites), insurance, or tax; (2) “business-to-business transactions” (transactions with merchants who are in the business of supplying goods and services to other businesses, such as advertising services, plumbing/heating suppliers, construction material suppliers (excluding home improvement stores), and computer programming services), even if not made for a business purpose; and (3) transactions using third-party bill payment services **will earn the base of 2 points per $1 spent in Net Purchases** and may not earn additional Points for the Smartly Earning Bonus. These Purchases are not calculated as part of the $10,000 cap. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional Points if the category code applied to a merchant is in a category that is not eligible for additional Points earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional Points. ”
Check the MCC Code for the merchant using the excel sheet you can download your transactions.
You should have gotten the base 2% at least. The 2% bonus isn’t included in transactions anymore, and they all get lumped together in a month end dump. Makes it hard to know which transactions qualify and which don’t. Unless you put nothing but daycare on the card, I’d be curious to know how you knew you were getting a bonus before.