attrapereves wrote:Let's say I bought something from Amazon for $100 and got 5% cash back. If I got a refund on that item, do credit card companies generally take away the rewards that were originally spent on the transaction? Or are refunds/credits independent of rewards?
Generally the CC company will reduce your rewards, if you've not transferred or redeemed them.
If you've already redeemed cash back or transferred MR-type points to travel partners, you will generally earn no rewards until the deficiency is satisfied.
I'm not aware of any case where an issuer tried to "claw back" MR/UR from a transfer partner loyalty account. I don't know if it's possible.
If you're earning directly in miles/hotel points - as opposed to transferring - then I don't know what to expect.