AmEx Gold 去年进行了改版，强势增加了吃饭超市4x、$120 dining credit 的持有福利，另外5w MR的 public 的开卡奖励也很慷慨， 我们的年终调查显示 AmEx Gold 一举成为了2018年开卡数量最多的信用卡。
改版之后，我把 AmEx Gold 装入钱包当中，MR每点按照1.6cents计算的话，4倍MR就是6.4%，吃饭超市的回报率相当高了。一切都挺好的，唯一美中不足的是大部分的中餐馆都不能刷AmEx卡，也罢也罢，我有 CSR (Chase Sapphire Reserve) 当备卡。
直到有一次我有笔比较大额的餐馆消费，statement出来后留了个心眼，瞥了眼发现这笔并没有获得4X的返点。。。仔细观察后发现另外一笔同样没有获得4X。。。
这两家店都清晰地标明 Category: Restaurant – Restaurant，我真的很诧异了，这中间究竟有何猫腻？
怀着好奇的心理我拨通了热线电话，不，我打开了online chat 找了客服。客服也是含糊不清，说这些商家没有注册成为US restaurant，AmEx的账单里清清楚楚明明白白列成了Restaurant，为啥返点就不能按Restaurant来呢？有点令人费解哦。客服帮我开了个case说很久以后就可以有消息了 = =。
拿不拿回这点点数是小事，我还是想要知道到底发生了啥，决定阅读Term呗。
- To earn additional points for a restaurant purchase, the purchase must be at a restaurant located in the United States. 额外返点的餐馆消费必须在美国
- You will NOT earn additional points for purchases made at a restaurant owned by a U.S. company but located outside the U.S. (e.g. Hard Rock Café in Paris). 美国牌子的连锁餐厅但在消费美国之外，不给额外返点。
- You may not earn additional points for purchases at a restaurant located within another establishment (e.g. a restaurant inside a hotel, casino, or event venue). For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant. 酒店内的餐厅可能会被归类为酒店而不是餐厅，没有额外返点，客服提到了这个；
- You also will NOT earn additional points for purchases at nightclubs and convenience stores. 夜店和便利店不额外返点；
- Eligible purchases are purchases for goods and services minus returns and other credits. 退款或者其他的credit的那部分不给额外返点；
- Eligible purchases do NOT include fees or interest charges, purchases of gift cards, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. 礼品卡、prepaid card 或者cash equivalents都不多返点；
- Additional terms and restrictions apply. Merchants are assigned codes based on what they primarily sell. A purchase will not qualify for additional points if the merchant’s code is not eligible. 商家code是按照商家主要的生意来算，code不合适没法多返点；
- Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not qualify for additional points. 使用第三方进行支付可能没法拿到多余返点，online marketplace (多个商家) 不多返点；
- A purchase may not qualify for additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. 用手机支付，电子钱包支付拿不到多余返点，商家使用手机或者无线的card reader也没有多返点。
读完Term后，我的猜测：
Local Boy Sushi – 详单里可以看到squareup.com的字样，商家用了square来进行收费，因为是小餐馆，可能店家用了手机的card reader或者是wireless card reader，极有可能违反了最后一条；
ADEGA – 这笔消费是网上的预订，大概直接被算作了cash equivalents，礼品卡、prepaid card 或者cash equivalents都不多返点 😢😢😢
总结
- 在乎返点的读者可以留个心眼，稍微读下上面的term或许就可以避免少拿多余返点的情况；
- 吃饭还有很多其他的卡，比如 Citi Prestige 现在给5X TYP了，更多选择请参考 《吃饭该选哪张信用卡？》
你也有类似没拿到4X返点的DP么，👏欢迎在下面留言！