The Bank of America Premium Rewards Elite card offers a $150 lifestyle credit for ‘video streaming services, food delivery, fitness subscriptions and rideshare services’. Reader TDD asked if we could put together a list of things that do and don’t work for this credit like the Premium Rewards $100 travel credit. Reminder that we try to add datapoints to the payments workshop as well. The detailed terms state the following:
Lifestyle Credit. You are eligible for a statement credit of up to $150 each calendar year if you make qualifying rideshare, food delivery, video streaming service and fitness transactions at select merchants. To qualify, you must use your Premium Rewards Elite credit card to pay all rideshare, food delivery, video streaming service and fitness transactions. Allow 2-3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. Qualifying transactions are those purchases made through select rideshare, food delivery, video streaming service and fitness merchants as determined by us. The merchant must submit the charges under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying rideshare, food delivery, streaming service or fitness transaction. Your purchase may not qualify to receive the statement credit if your purchase is processed through a third-party payment account, mobile/wireless card reader, digital wallet not supported by Bank of America or similar technology where the technology does not support transmission of the designated identifiers. Eligible rideshare, food delivery, video streaming service and fitness transactions that qualify for the Lifestyle Statement Credit must appear under one of the following MCCs and contain 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 important thing to know is that the following 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.
Contents
What Works
- Active&Fit: 1,
- Airbnb: 1 (giftcards)
- Amazon:
- Prime video rentals: 1,
- Chuze Fitness: 1,
- Doordash: 1,
- EOS/GOLDS Smoothie Bar: 1,
- Fit Body: 1,
- HBO Max: 1,
- Hulu: 1,
- LA Fitness: 1,
- Lifetime gym: 1https://www.doctorofcredit.com/maximizing-the-bank-of-america-premium-rewards-elite-lifestyle-credits/#comment-2319994,
- Lyft: 1,
- Cash reload: 1,
- Netflix: 1, 2 (U.S. & Belgium), 3,
- Orange Theory: 1,
- Peloton: 1,
- Planet Fitness: 1,
- PureGym: 1,
- Roku: 1 (digital purchases worked, physical stick didn’t)
- Uber: 1,
- UberEats:
What Doesn’t Work
- Audible: 1,
- Instacart: 1,
- Lime scooters: 1 (YMMV)
- Spotify: 1,
- Uber: 1 (London & Toronto charge, did work in other countries previously so not sure if new from late 2025?), 2 (international), 3 (UAE/Jordan), 4 (international)
- YouTube: 1,
Related:
- Maximizing The $300 Dining Credit With Chase Sapphire Reserve Exclusive Tables
- Maximizing The StubHub $300 Credit On Chase Sapphire Reserve Card
- Maximizing The Resy $400 Dining Credit On American Express Platinum Card
- Maximizing The Lululemon $300 Credit On American Express Platinum Card
- Maximizing the $200 Blacklane Credit on Citi Strata Elite
