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You will earn ɧ����Ƶ Dollars for every purchase of eligible goods and/or services made by you or any authorized user on your Credit Card Account, minus any returns, refunds or credit adjustments (each a "Net New Purchase"). The earned amount, per transaction, will be rounded to the nearest penny. ɧ����Ƶ Dollars earned each month will be posted to your monthly Credit Card Account billing statement within 1-2 Credit Card Account billing cycles.

• 4% in ɧ����Ƶ Dollars for every Net New Purchase of gas and at electric vehicle (“EV”) charging stations. Gas purchases include purchases of fuel at gas stations identified as "Service Stations" or "Automated Fuel Dispensers." Gas stations do not include merchants of aviation or other non-automotive fuels. EV charging station purchases include purchases at EV charging stations identified as "Electric Vehicle Charging".
• 4% in ɧ����Ƶ Dollars for every Net New Purchase of groceries. Grocery purchases include purchases made at grocery stores and supermarkets.
• 4% in ɧ����Ƶ Dollars for every Net New Purchase made at restaurants. Restaurants are generally identified as restaurants, drinking places, fast food places and caterers.
• 4% in ɧ����Ƶ Dollars for every Net New Purchase made at a ɧ����Ƶ operated store, ɧ����Ƶ online, over the phone with a ɧ����Ƶ representative or at an exclusive ɧ����Ƶ Authorized Retailer. ɧ����Ƶ purchases include purchases of devices and accessories but do not include the payment of your ɧ����Ƶ Wireless Account bill and/or ɧ����Ƶ Fios Account bill.
• 1% in ɧ����Ƶ Dollars for every Net New Purchase made for the payment of your ɧ����Ƶ Wireless Account bill and/or your ɧ����Ƶ Fios Account bill.
• 1% in ɧ����Ƶ Dollars for all other Net New Purchases made on your Credit Card Account everywhere else Visa is accepted, including any "big box" retailers such as Walmart or Best Buy that offer ɧ����Ƶ services.

There is no limit on earning ɧ����Ƶ Dollars for any of the Net New Purchases listed above.

The percentage in ɧ����Ƶ Dollars earned on Net New Purchases is determined by the merchant category code ("MCC") associated with the purchase. The MCC code is a four-digit classification code that is assigned to a merchant by the merchant's payment card network or merchant processor based on the predominant business activity of the merchant (e.g., gas station, grocery store, etc.). The merchant's MCC code will determine how a particular purchase qualifies to receive the percentage in ɧ����Ƶ Dollars. For example, a dining purchase at the cafe area of a department store may have an MCC identification as a type of merchant other than a dining establishment and therefore would not qualify as a dining purchase under these Rewards Terms, or an EV Charging Station purchase made at a merchant of parking lots, parking meters or parking garages may have an MCC identification as a type of merchant other than an EV Charging Station and therefore would not qualify as an EV purchase under these Rewards Terms. Similarly, grocery purchases at Walmart, Target or other "big box" retailers may not qualify as grocery purchases. Neither ɧ����Ƶ, nor Bank assigns or has responsibility for the assignment of MCCs or evaluates what MCC should be assigned to a particular merchant. Bank reserves the right to determine, from time to time, which MCCs qualify for a particular category of purchases. ɧ����Ƶ and Bank are not responsible for awarding ɧ����Ƶ Dollars for purchases at merchants who do not accurately report transactions using the MCC codes described above.

ɧ����Ƶ Dollars are not earned on the following: unauthorized or fraudulent charges, the purchase of debt cancellation products, cash advances, balance transfers, interest or fees on your Credit Card Account.