Rewards Cards: Watch Out for These Category Catches
Playing the rewards-card game is not without some pitfalls. We warn you about the biggest.


You drop a hundred bucks on groceries at Walmart, fill your tank at the store’s gas station and pay for both purchases with a credit card that claims to offer heightened rewards on grocery and gas spending. But when you check your statement later, you find that the transactions got a measly 1% cash back, instead of the 3% or more you were expecting. What gives?
Purchases from certain types of merchants are commonly excluded from a card’s top-earning categories. Gas or groceries bought at superstores, such as Walmart and Target, or wholesale clubs, such as Costco Wholesale and Sam’s Club, often don’t count. Or your card may not provide higher rebates on dining at restaurants or cafes that exist within another, larger establishment, such as a hotel, department store or grocery store.
“Entertainment” can be a particularly squishy category. The Capital One Savor card, for example, which offers 4% cash back on entertainment purchases, doesn’t include tickets for collegiate sporting events in the 4% category, although live professional events are covered. Citi Premier, which provides two points per dollar spent on entertainment, excludes bowling alleys.

Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Read your card’s fine print to make sure you understand how purchases are categorized. And if you believe you haven’t received rewards that are rightfully yours, ask the issuer whether it will correct the problem.
Use Our Tool: Credit Card Payoff Calculator
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.

Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.
-
Stock Market Today: It's 'All Sectors Go' Ahead of Independence Day
The resilience trade continues to work, even for sectors and stocks with specific uncertainties.
-
Nissan Recalls Over 440,000 Vehicles for Risk of Engine Failure
Hundreds of thousands of cars are being recalled over safety concerns. Here's how to check if your vehicle is affected and what steps to take next.
-
Amazon Resale: Where Amazon Prime Returns Become Your Online Bargains
Feature Amazon Resale products may have some imperfections, but that often leads to wildly discounted prices.
-
Roth IRA Contribution Limits for 2025
Roth IRAs Roth IRA contribution limits have gone up. Here's what you need to know.
-
Four Tips for Renting Out Your Home on Airbnb
real estate Here's what you should know before listing your home on Airbnb.
-
Five Ways to a Cheap Last-Minute Vacation
Travel It is possible to pull off a cheap last-minute vacation. Here are some tips to make it happen.
-
How Much Life Insurance Do You Need?
insurance When assessing how much life insurance you need, take a systematic approach instead of relying on rules of thumb.
-
When Is Amazon Prime Day? Everything We Know So Far, Plus Early Deals
Amazon Prime Here are the key Amazon Prime Day dates and details you need to know, plus some of our favorite early deals to shop ahead of the sale.
-
How to Shop for Life Insurance in 3 Easy Steps
insurance Shopping for life insurance? You may be able to estimate how much you need online, but that's just the start of your search.
-
Five Ways to Shop for a Low Mortgage Rate
Becoming a Homeowner Mortgage rates are high this year, but you can still find an affordable loan with these tips.