My wife and I have made a few purchases in the Fluz app recently due to the 20-35% off vouchers you receive when signing up and referring others. Due to the nature of its business selling gift cards, I figured there wouldn’t be many credit cards where purchases in the app would earn you a category bonus.
As I figured would be the case, it only earns 1x when paying with a Chase Ink Business Preferred card. One card I thought offered a better chance of having some success was the Bank of America Cash Rewards card. That card lets you choose one category in which to earn 3% cashback, with one of the options being Online Shopping.
I purchased a $10 gift card the other day and this is how it appeared when checking my recent transactions today:
As you can see, there’s a Y entered next to Online Transaction. Sure enough, when clicking on the Rewards tab it shows that I earned 3% cashback on the transaction.
If you have an AT&T Access More card (which is no longer available for new card signups), it might earn 3x due to it being an online purchase. Similarly, the AT&T Access card might earn 2x for an online purchase. I don’t have either of those cards though, so can’t test it myself.
The fact that it was categorized as Shopping & Entertainment might mean that it earns in a bonus category on other credit cards. The Citi Premier earns 2x ThankYou points on entertainment purchases, so I’ll be testing that to see how it codes – I’ll let you know when I have the results.
Update: As per Mahesh’s comment below, it looks like you might only earn 3% with Fluz if your Cash Rewards card is a Mastercard rather than a Visa.
The Bank of America Cash Rewards credit card is a Visa and not Mastercard. Your transaction snapshot shows a Mastercard.
My experience buying on Fluz app with the BOA Cash Rewards Visa is that it is categorized as NOT online transaction and I got only 1% cashback. This datapoint is also for a purchase on March 19.
It looks like new Cash Rewards cards are Visa, but my version is a Mastercard. It’s interesting that it’s classed as an online transaction with Mastercard but not Visa – something I’ll have to remember if mine gets converted to a Visa card in the future. Thanks for the head up.
Throwing a wrench into your findings… before converting my Cash Rewards visa into a mastercard, I did a $25 purchase on Fluz and it correctly coded for me as online shopping and I got the 3% bonus.
Interesting – I’ve no idea why it sometimes codes as 3% but not always then!
Hi Stephen,
I am wondering if you have the Bank of America MLB Cash Rewards (https://www.bankofamerica.com/credit-cards/products/mlb-credit-cards/). Among the various choices given in the Cash Rewards, all the remaining are Visa and this is the only Mastercard option currently available.
If you can confirm have made the purchase with the MLB Cash Rewards, I might consider making a product change from my Cash Rewards Visa to the MLB Cash Rewards Mastercard.
Thanks.
Nope, it’s definitely just the plain old Cash Rewards card. I converted to the card from a Virgin Atlantic card several years ago; I think it was a Mastercard back then, but apparently it’s since changed to Visa.
Update — It took some time to get my Visa credit card product changed to a Mastercard. Now I see Fluz purchases are getting coded as 3% for Online Shopping in Bank of America Cash Rewards credit card. Many thanks.
Excellent, I’m glad that’s working for you now 🙂
What was the process to convert your Visa to MC?
[…] I found is that if you have the Mastercard version of the Bank of America Cash Rewards card, it codes as 3% cashback if you’ve selected Online Shopping as your 3% category. Note that it apparently doesn’t […]