Marketing Club Loan Rate Benefits only apply to loan categories with an Interest Calculation Type of "0" (365 daily interest) or "4" (360/365 daily interest).  Therefore, you will not even see loan categories that have a code "2" (No Interest Calculation) or "3" (360/post) interest calculation type in the Loan Rate Benefit configuration screen in Marketing Club configuration.  That's because the benefits program requires a daily accrual type calculation in order to calculate and apply rate benefits.