2 data points
USA
Bank & Card
Date
Giftcard Purchased
Purchase Type
Online Purchase
https://www.booking.com
Reward Details
Amount
Earning Rate
Rewards
1 Cash
USA
Bank & Card
Date
Giftcard Purchased
Purchase Type
Online Purchase
https://www.agoda.com
Reward Details
Amount
Earning Rate
Rewards
1 Cash
💡 Primary Spending Category: The community most frequently reports using the Citi Costco Anywhere for "OTA" transactions.
🚀 Top Earning Rate: Verified community purchases show this card earning up to 0.01X ThankYou points on high-reward category transactions.
🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including Booking, Agoda. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.
Based on verified community transactions, the Citi Costco Anywhere yields the best return when used for "OTA" transactions.
Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.
Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.
