Thank you for posting that link, scripta. And I agree, those comments are most valuable and revealing. They are surely worthy of a read.
I can offer a data point, but it is worth VERY little at this point. I’ll know so much more in one month:
Anyway, I charged an item which coded as “online purchase”. But at time of making that charge I had failed to switch my 3% choice over from “gas” to “online purchases”. However:
At moment my statement closed the “online purchases” selection WAS in place. I was not awarded the extra 2%, so assume your selection must be in place at moment of purchase, not good enough if only at time later when reward is calculated.
No bigee for me owing to the $2500/quarter limitation. I will charge way more than that again this month, and shall learn whether or not they give me the 3% reward a month from now.