How are QS Restaurants coded at WDW for Bank of America Cash Rewards Card?

Nick6300

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The Bank of America Cash Rewards card offers 3% for a category of choice between dining, travel, gas, online shopping, and a couple of others. This category can bump up to 5.25% for this category if you have certain level of accounts with BOA/Merrill Lynch (3.5% for the 2nd category of grocery/warehouses; 1.75% for all other purchases instead of 3%/2%/1%). There is also a $200 bonus offer for $1k in spend w/in 90 days. I'm interested in the 5.25% for dining, merchandise, and for online shopping while at WDW this Thanksgiving. BOA rep said he believes that I'd select Travel, instead of Dining, because Travel includes amusement parks, zoos, also ride share. You can only change the bonus selection 1x a month. Thinking about applying for this card for wife so that she would have Dining and I'd have Travel for merch/Uber. Sort of wanted the Online Shopping for Thanksgiving/Black Fri. We were originally thinking about the Capital One Savor for the 4% dining/entertainment or the Wells Fargo Propel for the 3% dining/ride sharing.

1) I know Chase coding worked for dining at QS locations at WDW. Does anyone have experience with the Bank of America Cash Rewards to know if counter service dining was coded as Travel or Dining? Suspect that table service would be a better chance of Dining vs amusement park coding.

2) has anyone used the Online Shopping category to successfully buy Disney giftcards for 5.25% off? I assume it would have to be at Disney web site directly instead of via a retailer site. There are also 10% bonus categories for all BOA cards... has anyone successfully bought Disney cards at the likes of Staples/CVS/Autozone - some of the current choices? The terms/exclusions for these don't mention excluding gift cards but a few of the other selections do exclude GC's.
 
You definitely get the 10% cash back for buying a GC at Staples, Rite Aid, Michaels, etc. with the BoA credit card deals. Note that the cash back is mostly limited to $4-6 per deal, so the $50 GCs are about it.

GC only purchases also count towards your "coins" for an extra $5 cash back after using 4 deals.
BoA also just did a "Double cash back" day, which worked w/ the GC purchases at eligible stores. That was wonderful.
 
You definitely get the 10% cash back for buying a GC at Staples, Rite Aid, Michaels, etc. with the BoA credit card deals. Note that the cash back is mostly limited to $4-6 per deal, so the $50 GCs are about it.

GC only purchases also count towards your "coins" for an extra $5 cash back after using 4 deals.
BoA also just did a "Double cash back" day, which worked w/ the GC purchases at eligible stores. That was wonderful.

I pretty much always ignore the 10% BOA deals but only recently thought, what if I bought a GC?
 














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