1 data point
| Posted At | Retailer | Card | Category | Amount | Rewards | |
|---|---|---|---|---|---|---|
2024-04-19 | Online•USA | Online Shopping | $100.00 | 3% Cash Back 3USD |
USA
Bank & Card
Bank of America Customized Cash Rewardsvia PayPal
Date
Giftcard Purchased
Purchase Type
Online Purchase
https://www.michaels.com
Reward Details
Amount
Earning Rate
Rewards
3 USD
💡 Top Performing Card: The community-verified best credit card for Michaels purchases is the Bank of America Customized Cash Rewards. Transactions on this card consistently earn 3% cash back by coding in the "Online Shopping" category.
🔍 Merchant Category Coding (MCC): Michaels transactions most frequently code as "Online Shopping". Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.
💳 Maximize Online & App Bookings: For online or mobile app purchases at Michaels, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.
Based on community data points, Michaels transactions primarily code under the "Online Shopping" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.
The Bank of America Customized Cash Rewards is highly recommended, as it has been verified to earn 3% cash back on Michaels. Any card offering 3% or more cash back (or 3x points) on "Online Shopping" purchases will also deliver excellent value.
Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Michaels usually codes as "Online Shopping" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.
