Surprising Credit-Card Purchases That Don't Earn You Rewards

Before you try to rack up reward points, make a note of what items are excluded.

Young Woman Paying A Bill By Credit Card
(Image credit: Getty Images/iStockphoto)

It sounds foolproof: Use a rewards card to nab up to 6% cash back when you spend in various categories. But a surprising number of items are excluded.

Groceries. Warehouse clubs, such as Costco and Sam’s Club, and big-box retailers, such as Target and Walmart, rarely rack up grocery points despite their extensive food selections.

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Miriam Cross
Associate Editor, Kiplinger's Personal Finance
Miriam lived in Toronto, Canada, before joining Kiplinger's Personal Finance in November 2012. Prior to that, she freelanced as a fact-checker for several Canadian publications, including Reader's Digest Canada, Style at Home and Air Canada's enRoute. She received a BA from the University of Toronto with a major in English literature and completed a certificate in Magazine and Web Publishing at Ryerson University.