Some merchant categories do not earn cashback. These include, but not limited to, the following:
4829 Money transfer – wire, money orders, remittance services
5816 Digital goods – applications (app stores, software, in-app purchases)
5963 Door-to-door/direct sales (home shopping, personal sales reps)
6010 Manual cash disbursements (bank branches, cash advances)
6011 Automated cash disbursements (ATMs, cash advances)
6012 Financial institutions – merchandise, services, and debt repayment (includes crypto, wallet funding, loan payments)
6050 Quasi-cash – financial institutions (traveler’s checks, money orders)
6051 Quasi-cash – merchants (crypto exchanges, online wallets, betting,gaming)
6211 Securities brokers/dealers (brokerage, investment trading, stock purchases)
6529 Remote stored value load – financial institutions (prepaid card reloads)
6530 Payment transaction – member financial institutions (fund transfers, bill payments)
6535 Value purchase – money send (person-to-person or business transfers)
6536 MoneySend funding (loading or funding transfers)
6537 MoneySend cash disbursement (receiving funds)
6538 MoneySend – member financial institution (funding/disbursement)
6539 Funding transfers – peer-to-peer or account transfers (general use)
6540 Non-financial institutions – stored value card purchase/load (gift cards, reloads)
6611 Overdraft and interest charges by financial institutions
6760 Savings bonds, securities, or other financial instruments
7299 Miscellaneous personal services (tutoring, consulting, dating, etc.)
7800 Government-owned lotteries
7801 Internet gambling (legal online gaming)
7802 Government-licensed casinos (land-based or regulated gaming)
7995 Betting, lottery, and gaming (non-government gambling)
8398 Charitable and social service organizations (donations)
8999 Professional services – not elsewhere classified (legal, accounting, etc.)
9402 Postal services – government-only (national postal agencies)