TARJETAS promociones y cashback

 3.2. La tasa de Devolución es un cero coma cinco por ciento (0,5 %) del valor total de una Retirada con tarjeta Trading 212 en Comerciantes no excluidos. 

Excluded merchant categories for cashback

 
Money transfer

Code: 4829

• Transfer of funds (both card-present and card-absent) or via an original credit transaction (e.g., via Visa Direct or Person to Person [P2P] payments).

Services and merchandise from financial institutions

Code: 6012

• Repayment of debts to banks, savings and loans, thrift shops and credit unions

• Account funding in financial institutions

• Merchandise and services for banks  

• Merchandise and services for credit unions  

• Deposits to financial institutions

• Payments to mortgage companies

• Purchase of foreign currency/non-fiat currency (for example, cryptocurrency) and/or money orders (not money transfer) and traveler’s cheques

• Loan payments

• Savings and loans in financial institutions

• Paying for services - banks, credit unions, financial institutions (non-cash)

• Stored value card.

Quasi cash

Code: 6051

• Casino chips, cryptocurrencies, money orders, lottery tickets

• Travelers cheques, foreign currency, or money orders.

Investment firms, Brokers/Dealers

Code: 6211

• Funds used for bond dealers/brokers of securities, mutual funds, stocks, commodities and bonds

• Foreign currency purchase

• Licensed foreign exchange

• Trading

• Binary options

• Payments to Investment firms - Dealers and brokers

• Mutual funds

• Transactions made to stock brokers

POI funding transactions

Code: 6540

• Initial purchase and/or any subsequent reloads of stored value cards (including Visa prepaid cards) occurring at non-financial institutions

• Account funding at non-financial institutions

• Stored value card/load (Non-financial institutions)

Utility services

Code: 4900

• Payments for ongoing generation, transmission, and/or distribution of electric or gas power or other utility services.

• Payments for water supply system services and the collection and disposal of refuse.

Insurance

Code: 6300

• Payments for personal or business insurance policies such as automobile, life, health, hospital, medical and dental insurance, homeowners and renters insurance, real estate title insurance, pet health insurance and flood, fire or earthquake insurance.

Real estate management

Code: 6513

• Payment of management fees, rental commissions, rental payments, and other payments at real estate agents, brokers and managers engaged in the rental and management of residential and commercial properties. It also includes payments of deposits for real estate purchases.

Digital services

Code: 7372

• Payments for computer programming services, systems design, website design, data entry and data processing services.

Fines

Code: 9222

• Payments for local, state and federal fines and penalties, motor vehicle violations and community - or property-assessed fines.

Taxes and penalties

Code: 9311

• Payments for taxes and penalties, as well as the custody and disbursement of funds.

Other professional services

Code: 8999

• Professional services that are not classified with a more specific merchant category code. 

Government services
Code: 9399 

Conclusión probable
Para compras con comercios que no están en la lista de excluidos, lo más seguro es que te apliquen un 0,5 % cashback como tarifa “base”. El 1,5 % sería el máximo en promociones o si cumples con ciertas condiciones especiales (activar una función de inversión automática del cashback, estar dentro de la campaña vigente, etc.).