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Progressive Rewards Guide

2 data points

Top Credit Card by Earning Rate at Progressive

Bank of AmericaCustomized Cash Rewards
1% cash back

Progressive

USA

Insurance

Date

2025-09-16

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.progressive.com

Reward Details

Amount

Earning Rate

246.12 USD1% Cash Back

Rewards

2.46 USD

Additional Notes

Does not count as online shopping

Progressive

USA

Insurance

Date

2025-08-15

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

300 USD1% Cash Back

Rewards

3 USD

Additional Notes

Does not count as online shopping

Quick Rewards Guide for Progressive

💡 Top Performing Card: The community-verified best credit card for Progressive purchases is the Bank of America Customized Cash Rewards. Transactions on this card consistently earn 1% cash back by coding in the "Insurance" category.

🔍 Merchant Category Coding (MCC): Progressive transactions most frequently code as "Insurance". 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 Progressive, 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.

Frequently Asked Questions

Q:What category does Progressive code as on credit cards?

Based on community data points, Progressive transactions primarily code under the "Insurance" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Progressive?

The Bank of America Customized Cash Rewards is highly recommended, as it has been verified to earn 1% cash back on Progressive. Any card offering 3% or more cash back (or 3x points) on "Insurance" purchases will also deliver excellent value.

Q:Does Progressive code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Progressive usually codes as "Insurance" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.