Card to the Future

Blocked merchants

Merchant categories each card blocks, limits or leaves out of cashback. 2 of 36 cards publish merchant codes. Checked Nov-05, 2026.

Merchant category rules by card
5122Drugs and pharmacy wholesaleDrugs and pharmacy wholesaleWeekly $3,000 per-card limitUSD card
5932Antique shopsAntique shopsWeekly $1,000 per-card limit
5937Antique reproductionsAntique reproductionsWeekly $1,000 per-card limit
5972Stamp and coin storesStamp and coin storesWeekly $1,000 per-card limit
6012Banks and financial institutions: goods and servicesBanks and financial institutions: goods and servicesWeekly $1,000 per-card limit
6211Securities brokers and dealers, includes crypto purchasesSecurities brokers and dealers, includes crypto purchasesWeekly $1,000 per-card limit; No cashback
6529Remote stored-value load at a financial institutionRemote stored-value load at a financial institutionWeekly $3,000 per-card limit
6531Payment service: money transfer for a purchasePayment service: money transfer for a purchaseWeekly $1,000 per-card limit
6532Payment transaction at a financial institutionPayment transaction at a financial institutionWeekly $1,000 per-card limit
6533Payment transaction at a merchantPayment transaction at a merchantWeekly $1,000 per-card limit
6534Money transfer at a financial institutionMoney transfer at a financial institutionWeekly $1,000 per-card limit
6535Value purchase at a financial institutionValue purchase at a financial institutionWeekly $1,000 per-card limit
6536Money transfer within a countryMoney transfer within a countryWeekly $1,000 per-card limit
6537Money transfer between countriesMoney transfer between countriesWeekly $1,000 per-card limit
6611OverpaymentsOverpaymentsWeekly $1,000 per-card limit
6760Savings bondsSavings bondsWeekly $1,000 per-card limit
7273Dating and escort servicesDating and escort servicesWeekly $1,000 per-card limitUSD card
7280Hospital patient funds withdrawalHospital patient funds withdrawalWeekly $3,000 per-card limit
7322Debt collection agenciesDebt collection agenciesWeekly $1,000 per-card limit
7800Government-owned lotteries (US)Government-owned lotteries (US)Weekly $3,000 per-card limit
7801Government-licensed online casinos (US)Government-licensed online casinos (US)Weekly $3,000 per-card limitUSD card
7802Government-licensed horse and dog racing (US)Government-licensed horse and dog racing (US)Weekly $3,000 per-card limit
7995Betting, casinos, lotteries and gamblingBetting, casinos, lotteries and gamblingNo cashback

Other merchant rules

ether.fiOnly the codes above
Crypto.comNo blanket MCC block published here; 17+ MCCs (wire transfer, utilities, software, financial institutions, brokers, insurance, government) are excluded from rewards only. Purchases at merchants in 21 sanctioned/high-risk countries (EU card: AF, BI, MM, CF, CD, CU, ER, GW, IR, IQ, LB, LY, ML, KP, RU, SO, SS, SD, SY, VE, YE) are blocked
PhantomGamblingCrypto purchasesGift card reloadsCash advancesATM withdrawals
KoloOnly the codes above
ExaCash-like transactions such as crypto, wire transfers and gambling may be restricted
RedotPaySome game credit and gaming platforms decline the card (e.g. PUBG Mobile, Free Fire, Brawl Stars, eFootball)1.5% fee (min $0.50) at listed merchants: Facebook Ads, Discord, Gulf Health Counsel and several games; first 3 per month freeSanctioned countries and individuals not usable
Ethena Paygamblingcrypto, stablecoin, NFT and securities purchasesgift cardsgovernment payments
SolidHigh-risk merchants, gambling (depending on jurisdiction), unregulated financial services; gas stations limited to 2 transactions per 3 days with about $175 minimum balance
TriaGambling and gamingCash-like transactionsPerson-to-person transfers
BinanceGambling (no cashback)
Bitget WalletRestricted MCCs exist (they also earn no cashback); list not published on the card page
BybitCashback excluded on prepaid top-ups, money transfer, securities brokers, betting and casino
HyperbeatCash-like transactions (foreign currency, wire transfers, crypto, lottery, casino chips, betting, P2P transfers) may be limited; internet gambling can be denied. Cash advances and balance transfers are not available
SafePalPayments to OFAC-sanctioned countries or entities are rejected; some transport, utility and in-flight payments limited in certain countries
AviciGamblingCash and quasi-cashMoney transferFinancial and securitiesWeaponsAdult services
SendGamblingDating servicesPharmaceutical and chemical wholesalers
GateFinancial services, stored value cards, currency exchange, money orders and traveler's cheques earn no cashback

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