Merchants that accept Visa credit cards are assigned a merchant code, determined by the merchant or its processor. Transactions qualify for 6% or 3% Cash Rewards based on how merchants classify the transaction. During any calendar quarter in which you spend more than $1,500 in your one 3% category, you will earn 1.5% Cash Rewards for any additional spend in that category during that quarter. During any calendar quarter in which you spend more than $1,500 combined at your two 6% retailers, you will earn 1.5% Cash Rewards for any additional spend at those retailers during that quarter.
There are no limits on your 1.5% Cash Rewards earnings.
You will earn 3% Cash back on your first $1,500 in net purchases in your chosen 3% category. You will earn 6% Cash back on your first $1,500 in combined net purchases at your two chosen 6% retailers.
Allow up to 3 business days for registration to take effect before you will be eligible to earn 3% Cash Rewards and 6% Cash Rewards. You must enroll each quarter into two retailers and one purchase category of your choice, or all net purchases (purchases minus returns or credits) will earn no more than 1.5% Cash back.
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