Journey with Confidence RV GPS App RV Trip Planner RV LIFE Campground Reviews RV Maintenance Take a Speed Test Free 7 Day Trial ×
RV Trip Planning Discussions

Go Back   iRV2 Forums > iRV2.com COMMUNITY FORUMS > iRV2.com General Discussion
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 10-05-2022, 07:39 PM   #1
Senior Member
 
Join Date: Aug 2012
Posts: 1,228
USAA credit card - no rewards for truck stop purchases

I have a USAA credit card with cash rewards--the kind that you redeem for a statement credit. I just happened to be looking at the FAQ for the rewards program, and it says:

Quote:
Qualifying Purchases do not include Payments, Balance Transfers, Cash Advances (including Convenience Checks), ATM Cash Disbursements, Money Transfers, Truck Stop Transactions, Gaming Transactions, Tax Payments, Finance Charges, Fees, and purchases of other cash equivalents, even if used to purchase goods or services.
https://www.loyaltygateway.com/rewar...amInfo/usaafaq

The rewards are only like 1% or so, so it's not a big deal, but I had no idea "truck stops" were excluded. I keep close track of my money, but I've never done any sort of calculations to confirm what I'm getting in the rewards program--just sort of looked at it as free money--so I never noticed some relatively big transactions weren't being "rewarded."

And yes, I know there are credit cards that give more cash back, or that would include truck stops, so we don't need to get into that. But I thought I'd give a heads-up in case others have USAA credit cards and aren't aware of the truck stop exception.
oatmeal is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 10-05-2022, 07:52 PM   #2
Senior Member
 
Old-Biscuit's Avatar
 
Join Date: Nov 2015
Posts: 23,116
I have a USAA CC but rarely use it.........got it years ago cause it was for Vets

My BOA Visa ...get 5% cash back on Fuel purchases (any where), 3% onl-line purchases
Her Visa ....get 3% on Fuel and or grocery

Use mine for fuel/on-line and hers for grocery

Never carry a balance and cash back. Works for US and beats carrying Cash (which many places don't take anymore)


Not sure why I keep the USAA....backup I guess
__________________
I took my Medication today. HAVE YOU?
Dodge 3500 w/Tractor Motor & NUWA 5vr
US NAVY---USS Decatur DDG-31
Old-Biscuit is online now   Reply With Quote
Old 10-05-2022, 08:10 PM   #3
Senior Member
 
Join Date: Aug 2011
Location: Enjoying the Western States!
Posts: 17,186
Our Visa Freedom Unlimited also gets 5% cashback on fuel. We also pay it off monthly - always have.
__________________
Full-timed for 16 Years . . .
Traveled 8 yr in a 2004 Newmar Dutch Star 40' Diesel
& 8 yr in a 33' Travel Supreme 5th wheel
twogypsies is online now   Reply With Quote
Old 10-05-2022, 08:32 PM   #4
Senior Member
 
Join Date: Aug 2012
Posts: 1,228
As I said,

Quote:
Originally Posted by oatmeal View Post
And yes, I know there are credit cards that give more cash back, or that would include truck stops, so we don't need to get into that. But I thought I'd give a heads-up in case others have USAA credit cards and aren't aware of the truck stop exception.
oatmeal is offline   Reply With Quote
Old 10-06-2022, 08:38 AM   #5
Senior Member
 
Cat320's Avatar
 
Fleetwood Owners Club
American Coach Owners Club
Join Date: Mar 2011
Posts: 6,423
Call USAA and ask for clarification.
__________________
2014 American Eagle 45T
DD 13, 500 HP
Pulling a Honda CRV
Cat320 is offline   Reply With Quote
Old 10-06-2022, 10:05 AM   #6
Senior Member
 
Join Date: Aug 2012
Posts: 1,228
Quote:
Originally Posted by Cat320 View Post
Call USAA and ask for clarification.
What clarification is necessary? It clearly says qualifying purchases do not include truck stops.

And frankly, I haven't had the best experience with calling USAA. I was being assessed some bogus interest charges (I always pay my bill in full, on time) and one representative told me they'd changed their policy, and purchases accrue interest from day they're made. I said, "Really?? That's a HUGE change in policy," and she said yes, really. "So even if I pay my bill in full every month, I still get charged interest?" She said yes.

Of course she was wrong. Interest doesn't accrue if you pay your bill in full. It was a screw-up on their end.
oatmeal is offline   Reply With Quote
Old 10-06-2022, 02:39 PM   #7
Member
 
Join Date: Apr 2022
Posts: 99
I think USAA is attempting to prevent having to pay out rewards for what is, for the vast majority, a commercial purchase rather than a consumer purchase. Obviously, RVers might be an exception, and we are definitely not a majority.
darrellr is offline   Reply With Quote
Old 10-06-2022, 02:50 PM   #8
Senior Member
 
Warhorse6's Avatar
 
Join Date: Jul 2020
Posts: 551
I have been a USAA member for 48 years and have had a USAA credit cards for decades and never an issue from disputing claims to cash back. And there is no annual fee. I do not use it as truck stops, but exclusively for everything else and pay in full each month. As for their customer service, first rate.
__________________
2018 Phaeton 44OH
2017 Chevy Traverse Toad
Florida
Warhorse6 is offline   Reply With Quote
Old 10-06-2022, 03:14 PM   #9
Senior Member
 
Psneeld's Avatar
 
Join Date: May 2020
Location: Ft Pierce, Fl
Posts: 580
Quote:
Originally Posted by Warhorse6 View Post
I have been a USAA member for 48 years and have had a USAA credit cards for decades and never an issue from disputing claims to cash back. And there is no annual fee. I do not use it as truck stops, but exclusively for everything else and pay in full each month. As for their customer service, first rate.
My experience too....WAY better customer services than most companies these days (not so much back 30-40 years ago during their growth spurt).

They quickly just fixed a huge issue with my Cigna dental plan where Cigna was unbearable.
__________________
Retired USCG Helo Pilot, Retired USCG Lic. Captain
2022 Entegra Vision 29s, 2021 Ford Ranger toad
Ft Pierce, Fl
Psneeld is online now   Reply With Quote
Old 10-06-2022, 03:29 PM   #10
Senior Member
 
Sweetbriar's Avatar
 
Thor Owners Club
Ford Super Duty Owner
Join Date: Jul 2011
Posts: 3,698
Quote:
Originally Posted by darrellr View Post
I think USAA is attempting to prevent having to pay out rewards for what is, for the vast majority, a commercial purchase rather than a consumer purchase. Obviously, RVers might be an exception, and we are definitely not a majority.
I'm thinking the same. When you consider the high cost of over the road diesel combined with a prime mover with twin 150 gallon tanks I can see truck stops fitting in with the rest of the list.
__________________
2006 Hurricane 31D built on a 2006 Ford F53
Sweetbriar is offline   Reply With Quote
Old 10-07-2022, 01:01 PM   #11
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 25,515
I wonder what they consider a "truck stop"? Many such are now "travel centers" and have 10-20 automobile fuel pumps, convenience stores, etc. Is it by brand name? Location? Or maybe they can distinguish it by the pump used or billing code - commercial fueling is seldom "pay at the pump". It might be worthwhile to call USAA and ask that question.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
Gary RVRoamer is offline   Reply With Quote
Old 10-07-2022, 02:39 PM   #12
Senior Member
 
Join Date: Aug 2012
Posts: 1,228
Quote:
Originally Posted by darrellr View Post
I think USAA is attempting to prevent having to pay out rewards for what is, for the vast majority, a commercial purchase rather than a consumer purchase. Obviously, RVers might be an exception, and we are definitely not a majority.
You might be on to something.

I just noticed that USAA is changing its terms and conditions starting October 14. The current definition of "qualifying purchases" is what I quoted above. Here's what it's changing to:

Quote:
Qualifying purchases do not include:

Balance Transfers, Cash Advances (including Convenience Checks or any other checks that access your Account), ATM Cash Disbursements, money orders, transfers or similar cash-like transactions (including person-to-person money transfers through services such as Venmo®, PayPal® and Cash App®), gaming transactions (including the Purchase of lottery tickets, casino gaming, race track wages, sports betting including online activity, or similar betting transactions), tax payments, finance charges, Fees of any kind, unauthorized or fraudulent transactions, travelers checks, Purchases of cash equivalents (even if used to Purchase products or services), Purchases of gift cards or cryptocurrency, Purchases made for business-related purposes, certain other Purchases, and Purchases determined by USAA to be made to generate rewards but otherwise receive limited or no other value from the transaction.
https://www.usaa.com/inet/pages/cred..._rewards_terms

They took out the specific exclusion for truck stops, but put in "purchases made for business-related purposes." I wonder how they go about determining that, and if they notify the cardholder. Also, henceforth "certain other purchases" will also not be considered qualifying purchases. That gives us consumers a lot of guidance.

I did find a place in my online USAA account interface that shows how much rewards I earned for each transaction, but it goes back only four days. But next week I might be going near a Love's, and it will still be when truck stop purchases are specifically excluded. Maybe I should detour and buy a small amount of gas by paying at the pump, and then go inside and buy a candy bar or something, also paying with the credit card. Then I can look online to see if either one earned rewards.

(I'd prefer to pay for the gas inside, to take "pay at the pump" out of the equation, but I'm just not willing to put $2 on the credit card for gas, and then come back in and buy a $2 candy bar with the credit card.

And then if I go by a Love's again in the future, I can test it to see if it changes when the new T&C are effective; there should be nothing about my candy bar and $2 in gas that ping "business related" at this truck stop.
oatmeal is offline   Reply With Quote
Reply

Tags
purchase



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Large Fuel Purchases with Credit Card - Denied vettenuts Class A Motorhome Discussions 120 04-20-2019 09:47 AM
Credit Card Fuel Purchases GlennLever Fleetwood Owner's Forum 59 11-24-2017 01:23 AM
Best credit card use for gas cash back rewards cln56 iRV2.com General Discussion 24 02-28-2017 09:34 AM
Problem using the PenFed Cash Rewards credit card MSHappyCampers iRV2.com General Discussion 1 10-05-2013 05:02 PM

» Featured Campgrounds

Reviews provided by


All times are GMT -6. The time now is 05:42 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2022, vBulletin Solutions, Inc.