Merchant Category Codes: Why a Purchase Didn't Earn the Bonus
Every purchase carries a merchant category code that decides which bonus it earns. How codes work, why purchases miss the bonus, and how to check first.
Card rules
Merchant codes, fees and fine print that decide what you actually earn.
Paying Rent, Taxes and Big Bills by Card: When the Fee Beats the Reward
Compare a payment's processing fee with what the card earns, including the welcome-bonus case, with one fixed rule: never carry a balance.