Wednesday, May 13, 2026

Maximizing The Financial institution Of America Premium Rewards Elite Way of life Credit

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The Financial institution of America Premium Rewards Elite card gives a $150 life-style credit score for ‘video streaming companies, meals supply, health subscriptions and rideshare companies’. Reader TDD requested if we may put collectively an inventory of issues that do and don’t work for this credit score just like the Premium Rewards $100 travel credit. Reminder that we attempt to add datapoints to the payments workshop as effectively. The detailed phrases state the next:

Way of life Credit score. You might be eligible for an announcement credit score of as much as $150 every calendar yr if you happen to make qualifying rideshare, meals supply, video streaming service and health transactions at choose retailers. To qualify, you have to use your Premium Rewards Elite bank card to pay all rideshare, meals supply, video streaming service and health transactions. Permit 2-3 weeks from qualifying for the assertion credit score to put up to your account. You might be liable for fee of all expenses till the assertion credit score posts to your account. Your account have to be open with energetic charging privileges on the time of assertion credit score success. Qualifying transactions are these purchases made by means of choose rideshare, meals supply, video streaming service and health retailers as decided by us. The service provider should submit the costs underneath the suitable service provider class code (MCC), trade code or required service or product identifier to be recognized as a qualifying rideshare, meals supply, streaming service or health transaction. Your buy could not qualify to obtain the assertion credit score in case your buy is processed by means of a third-party fee account, cell/wi-fi card reader, digital pockets not supported by Financial institution of America or related expertise the place the expertise doesn’t assist transmission of the designated identifiers. Eligible rideshare, meals supply, video streaming service and health transactions that qualify for the Way of life Assertion Credit score should seem underneath one of many following MCCs and comprise the designated identifier: 4899, 5399, 5411, 5422, 5499, 5691, 5734, 5815, 5816, 5817, 5818, 5921, 5940, 5964, 5968, 5969, 5999, 7032, 7299, 7372, 7841, 7997, and 7999.

The vital factor to know is that the next MCCs will work: 4899, 5399, 5411, 5422, 5499, 5691, 5734, 5815, 5816, 5817, 5818, 5921, 5940, 5964, 5968, 5969, 5999, 7032, 7299, 7372, 7841, 7997, and 7999.

What Works 

  • Airbnb: 1 (giftcards)
  • Doordash: 1
    • (giftcards by way of DoorDash): 1, 2, 3, 4, 5
  • Lyft:
  • Uber: 1
  • UberEats:

What Doesn’t Work

  • Spotify: 1
  • Uber: 1 (London & Toronto cost, did work in different international locations beforehand so undecided if new from late 2025?)



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