You’ve linked to the wrong document. It’s dated 2014. Here is the correct link, dated 2017:
(Edit: The above link no longer appears to be working, although it certainly was when I pulled the quoted text from it below.) I found that link on this page:
"You will earn cash rewards on new net qualified point-of-sale (POS) purchases (less adjustments,
credits, and returns) for each $1 spent.
_5% cash reward will be offered on new net qualified POS purchases in one (1)_
designated purchase category. Each calendar quarter you may select from a list of
eligible purchase categories for your 5% reward. Your selection can be made via
SAFE Online Banking, SAFE Mobile Banking, by calling (916) 979-7233 or (800) SEESAFE
((800) 733-7233), or visiting a SAFE branch. If you do not make a designation
each quarter, you will earn 1% cash reward on new net qualified POS purchases.
Eligible purchase categories are subject to change quarterly. Once a selection is made
for the quarter, you will not be able to make changes to your selected category.
Purchases in the selected category will be eligible for the reward at this level only if the
participating merchant uses the Merchant Category Code (“MCC,” explained in further
detail below) in processing cardholder transactions.
3% cash reward will be offered on new net qualified POS purchases at, eligible gas
stations, grocery stores, and restaurants. To be eligible, the merchant must be
assigned MCC 5541 for Service Stations or MCC 5542 for Automated Fuel
Dispensers, MCC 5411 for Grocery Stores or Supermarkets, or MCC 5812 for
_1% cash reward will be offered on all other new net qualified POS purchases."_
@StatGren Where did you see that it’s limited to California residents? I don’t see that in the terms or product page. Not that I’m interested if I can’t find out what the bonus categories are either.