Rogers World Elite MC Rewards Promo | Credit card reward programs | Discussion forum

I also received the email for 3% cash back on gas & grocery. However, I found out that I still got 1.5% cash back only. Below is an example.

Norman1 said
Someone reported on RedFlagDeals that the fine print of the offer allows up to two months after the end of the offer period for the additional cash back to be credited.  

Thanks for the info.

According to that report, only charges for merchant category codes 5411 and 5542 qualify:

1. You will earn an additional bonus of 1.5% cash back rewards … for eligible purchases (less returns) made in CAD on gas and grocery merchants as categorized by Mastercard (MCC codes 5411 and 5542) from May 1, 2023 to July 31, 2023. …

Those are described in the MasterCard Quick Reference Booklet (August 2020) as

MCC 5411 Grocery Stores, Supermarkets
MCC 5542 Fuel Dispenser, Automated

For gas purchases, one needs to pay at the pump. If one pays in the store, the MCC may end up being 5541 (Service Stations) or 5499 (Miscellaneous Food Stores—Convenience Stores, Markets, Specialty Stores).

That would be the case if Amex includes both MCC 5541 (Service Stations) and MCC 5542 (Fuel Dispenser, Automated) in its category for gas purchases, like the Tangerine Money-Back MasterCard does.

As well, the merchant's MCC is not always the same for all the credit cards the merchant accepts. I found earlier that Walmart Supercentres have a different MCC for Visa transactions than for MasterCard ones.