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09-03-2015, 05:49 PM
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#1
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Senior Member
Holiday Rambler Owners Club
Join Date: May 2011
Location: Texas
Posts: 233
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Pentagon Fed cash rewards card....lesson learned
Hi, most of you that use this card probably already know this fact, but I have started traveling a lot more miles lately and decided to pay attention. If you don't use the card at the pump, you don't get the 5% cash rebate.
I like stopping at the trucker side and using the fatter hoses and enjoy the fact it pumps right past $99.00, but most of the time I have to go inside to get them to turn the pump on and to pay at the cash register inside to take advantage of the truck pumps. I suspected the computers weren't going to give me my rebate for a charge that I paid inside...and now I know for sure -- they do not. You must pay at the pump or you won't get the rebate.
On $130 charge, that adds up! So from now on, I will avoid the trucker side that won't let me charge at the pump, and will instead mingle with the hoi polli at the car pumps and put up with the slower pumps so I get my 5% rebate.
For those of you who already knew this....
__________________
'07 Holiday Rambler Endeavor PRQ ("Elvis"), and our 2012 CRV toad
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09-03-2015, 06:26 PM
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#2
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Senior Member
Join Date: Jul 2003
Posts: 4,455
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Quote:
Originally Posted by B52Guy
For those of you who already knew this....
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LOL
Yes, those of us who have used the PenFed card for a number of years know this and they make it quite clear in their explanation and promotional materials that the purchase must be made at the pump. I suppose that's the price you pay for the convenience of the faster flow and the maneuverability of the truck lanes. Since I'm in no hurry, I hardly ever use truck pumps anymore and like getting that 5% off immediately.
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09-03-2015, 07:22 PM
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#3
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Senior Member
Winnebago Owners Club Freightliner Owners Club
Join Date: Oct 2009
Location: E WA or S TX
Posts: 4,046
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Have found that is mostly true, but not allways. It depends on how the card reader is coded. I know of a station that when the card is used at the pump it shows up as grocery, and a convenincestor/restaurant (that used to sell gas) is still coded as a gas station and I get my discount there.
Disclaimer I don't have the Pen Fed card but others that offer a rolling 5% discount, and my AmEx has a 3%
__________________
04 Horizon QD, 12 Ford Flex, Excalibar, Brakemaster, Winter Texan, RVin! since 1974
Norm, Donna & Tinker Kat(RIP) 01 Z3
Life is a Timed Event, you only get One Go Around!
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09-03-2015, 07:51 PM
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#4
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Senior Member
Join Date: Jul 2003
Posts: 4,455
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Quote:
Originally Posted by rgvtexan
Have found that is mostly true, but not allways. It depends on how the card reader is coded. I know of a station that when the card is used at the pump it shows up as grocery, and a convenincestor/restaurant (that used to sell gas) is still coded as a gas station and I get my discount there.
Disclaimer I don't have the Pen Fed card but others that offer a rolling 5% discount, and my AmEx has a 3%
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It's funny you mention that as I thought that perhaps I would not get the rebate because of what you say ...pumps being coded as grocery, for instance. However, when I talked to a PenFed rep, she told me that a pump purchase will have a separate code that denotes it being physically at the pump reader. I was hesitant to believe her but so far --and this was several years ago when I asked-- I've never failed to get the 5% rebate whenever I used the card at the pump's card reader ...being at a grocery store's fuel plaza or anywhere else.
There is no case, however, where a purchase made away from a pump will show as a purchase made at the pump. Therefore, using the PenFed credit card at the fuel desk at a truck stop will always show as not being at the pump ...or so I'm told by PenFed.
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09-03-2015, 08:45 PM
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#5
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Senior Member
Tiffin Owners Club Freightliner Owners Club
Join Date: Oct 2008
Location: Merritt, BC
Posts: 3,753
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For any Visa rewards card, including PenFed, the rebate depends on the category code where the card is swiped.
SUPER MARKETS
MCC 5411 Grocery (Walmart Supercenter, Safeway, Raleys, etc.) - Qualifies
MCC 5412 Pharmacy Does not qualify
FUEL STATIONS (Gas or Diesel)
MCC 5542 Card swiped at pump (PFJ RV pumps, most stand-a-lone gas stations) Qualifies
MCC 5541 Card swiped inside by cashier Does not qualify
__________________
Bob, Sherron & Kinsey (RIP 2013-2022)
2017 Tiffin Phaeton 40QBH
2014 Jeep Cherokee Limited
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09-03-2015, 09:20 PM
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#6
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Senior Member
Join Date: Jul 2003
Posts: 4,455
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Okay, that makes perfect sense.
So according to that, let's say if one goes to the cashier window at a Safeway fuel station and charges the diesel purchase with a PenFed Visa instead of using it at the pump, it will still be coded MCC 5411 and the 5% rebate will still be applied? ...it doesn't matter if it's at the pump or not? That's contrary to what the PenFed rep told me but that's good to know that you aren't necessarily required to use the card reader at the pump as she said.
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