How do you determine the spend categories for points calculations?

Merchants who accept Mastercard credit cards are assigned a merchant code, which is usually based on the kinds of products and services they primarily sell. 

We group similar merchant codes into categories for purposes of making Rewards Offers. 

While we make every effort to include all relevant merchant codes in our Rewards categories, some merchants sell ancillary products or services that may fit into a specific rewards category; however since it isn’t their primary service, the merchant may not have a merchant code within that category. When this occurs, purchases with that merchant won’t qualify for Rewards Offers on purchases in that category.

For example: If you purchase a hot dog at a gas station, it likely won’t come up as a restaurant category code and therefore won’t count as a restaurant spend. 

Similarly, purchases submitted by you or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology isn’t set up to process the purchase in that rewards category. 

For example, if you add your Zurp card to Venmo and then pay a merchant for a Pizza via Venmo, it likely won’t come up as a restaurant category code and therefore won’t count as restaurant spend.