Hi Yeni! Thanks for looking into this. I understand that recurring cashback depends on how the merchant is categorized. However, I noticed another post in this community ( 💡 What counts as a recurring payment for cashback? Let’s break it down! ) that specifically lists YMCA as an example of merchants that are typically categorized as recurring.
Because of that, I was expecting my YMCA membership payments to qualify for the recurring cashback rate as well.