There’s a pretty long thread on this here, which I think includes this situation. As a quick summary:
- There’s basically two ways companies can do recurring cashback: either looking for a recurring yes/no “flag” on each transaction or selecting specific merchant codes that are generally recurring (“telecom”, “digital subscriptions”).
- We starting with the flag system, which sounded like the best option, except transactions were marked incredible inconsistency. Utilities, for example, were only including the flag in ~60% of transactions. Worse, the same utility would send the flag one month, but not the next.
- We switched to the MCC code system, which is what the rest of the card uses. This means that “utilities” will always be categorized the same way each month. It also means that some categories of purchases that are recurring will fall outside the codes that we ended up including. ChatGPT, I suspect, bills as a business tool or something, like Quickbooks, and will not earn recurring rewards.
Does this help?