- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
If Chase can't/won't tell you, I would try asking the merchant. I think it is the merchant that decides how to categorize itself when it sets up its card processing system, but I could be wrong about this. However, I wouldn't expect the clerks at Ikea -- or other large stores -- to be any help with this at all. You'll probably only have any luck with small merchants where the proprietor is on site. This doesn't help you here, I know.
When Chase was doing the 3% cashback in the top three spending categories per month I was able to determine by examining the rewards allocation on my statement one month that a bakery/cafe where I often eat lunch is considered a retail establishment rather than a restaurant, even though the majority of its business is the latter from what I can tell. Knowing this, I stopped trying to get extra restaurant points at this place.
There was a news story a few months ago -- I think it was somewhere in New England -- about Amex Blue Cash cardholding customers of a natural foods grocery store who successfully pressured Amex to designate the store as a grocery store rather than a retail store, which secured the customers better cashback rewards. This kind of thing doesn't happen often, I'm sure.
When I'm not sure I will qualify for the 5% cashback I use my Fidelity Amex card, which I know will always get me 2%.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.