Cashback Exclusions

Modified on Fri, 29 Aug at 6:19 PM

Cashback Exclusions
Effective Date: September 1, 2025

Cashback rewards will not be issued for the following transaction types:

Cash-related transactions: ATM withdrawals, cash advances, quasi-cash reloads, money orders, traveler’s cheques or other quasi-cash transactions, including through PayPal or similar services.
Cryptocurrency purchases: Direct purchases of crypto assets using the COCA card.
Gambling and betting transactions: Includes casino payments, online gambling, lottery tickets, and other wagering-related expenses.
Government or judicial payments: Taxes, fines, alimony, child support, or court-related fees.
Refunded or canceled transactions: Transactions that are reversed, disputed, or refunded.
Professional services and timeshares: Includes legal consulting, business services, and time-share purchases.
Transaction manipulation: Transactions deemed to simulate or manipulate legitimate purchases.

Excluded Merchant Category Codes (MCCs): Transactions with the following Merchant Category Codes (MCCs) are ineligible. This includes, but is not limited to:

4304 Service code of visa
4829 Money Orders Wire Transfer
5292 Service code of visa
5295 Service code of visa
5415 Service code of visa
6010 Financial Institutions Manual Cash Disbursements
6011 Financial Institutions Manual Cash Disbursements
6012 Financial Institutions, Merchandise and Services
6022 Financial Institution (RCL Internal)
6023 State Banks (RCL Internal)
6025 National Banks (RCL Internal)
6026 National Banks Non-Federal (RCL Internal)
6028 Unincorporated Private Banks (RCL Internal)
6050 Financial institutions - quasi-cache
6051 Non-Financial Institutions Foreign Currency, Money Orders (not wire transfer) and Travellers Cheques
6211 Security Brokers/Dealers
6529 Remote Stored Value Load - Member Financial Institution
6530 Remote Stored Value Load
6531 Payment Service Provider – Money Transfer
6532 Money Transfer - Financial Institution
6534 Money Transfer - Financial Institution
6535 Claims on Values - Financial Institutions
6536 MasterCard MoneySend
6537 MasterCard MoneySend
6538 MasterCard MoneySend Funding
6539 Transaction on financing (excluding MoneySend)
6540 Transactions on financing POI (except MoneySend)
6611 Overpayment (down payments)
6760 Bonds of Savings Loan
7012 Time-share
7399 Business Services - Not Elsewhere Classified
8664 Service code of visa
8999 Professional Services–Not Elsewhere Classified
9034 I-Purchasing Pilot
9211 Judicial payments, including alimony and child support
9222 Fines
9223 Payments on bonds and bonds
9311 Tax payments
9399 Government services - nowhere else classified
9401 I-Purchasing Pilot
9402 Postal services (government only)
9405 Government procurement - only government
9411 Payments on the state loan
9700 Automated Referral Service (VISA only)
9701 Credentials validation service Visa (VISA only)
9702 Emergency services (GCAS) (VISA only)
9950 Service code of visa
9999 Service code of visa

COCA may update this list without notice. Users are advised to consult Customer Support for the most current exclusions.