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Which Card Transactions are not eligible for rewards?

Learn which transactions aren't eligible for CRC Reward and any other programs.

Most everyday purchases made with your Gnosis Card are eligible for rewards.

However, certain transaction types are excluded from the rewards program. These exclusions help ensure rewards are granted for genuine consumer spending and maintain the long-term sustainability of the program.

Important : Transaction eligibility is determined based on how the merchant and payment network classify the transaction at the time of purchase. As a result, merchants offering similar products or services may not always be treated identically for rewards purposes.


Ineligible Transaction Categories

Cash & Cash-Equivalent Services

  • ATM withdrawals

  • Cash disbursements

  • Money orders

  • Wire transfers

  • Cash-equivalent transactions

Financial & Investment Services

  • Cryptocurrency exchanges and brokers

  • Securities and commodity trading

  • Loan-related payments

  • Funding transactions

  • Money transfer services

  • Other financial institution services

Government & Legal Payments

  • Tax payments

  • Court fees

  • Alimony and child support payments

  • Traffic fines and penalties

  • Bail and bond payments

  • Other government service payments

Property & Insurance Payments

  • Rent payments

  • Property management services

  • Insurance premiums

Utilities & Public Services

  • Electricity, gas, water, and sanitation services

  • State loan repayments

  • Postage stamp purchases

Gambling Activities

  • Casinos

  • Lotteries

  • Race tracks

  • Sports betting

  • Online gambling services

Donations & Contributions

  • Charitable organizations

  • Nonprofit organizations

  • Political organizations and campaigns

  • Religious institutions

Certain Professional & Digital Services

  • Software purchases from specialized software merchants

  • Computer programming and data processing services

  • Certain professional services

Payment & Funding Transactions

  • Card funding transactions

  • Payment processing transactions

  • Peer-to-peer money transfer services

  • Account funding activities


Why are these Card transactions excluded?

These categories are commonly excluded from rewards programs because they involve financial transfers, regulated payments, cash-equivalent activity, or transactions that do not represent traditional consumer spending.

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