Chase, Capital One, Mint and Maybe exports all include a Category column such as "Food & Drink" or "Travel". ai-bookkeeper used to ignore it unless a row had no description.
It is now the fifth and last layer, after your rules, payee memory, the learned classifier and built-in keywords. It applies only to money out, only for labels that name a single account, and only suggests (confidence 0.55): the line still goes to the review queue. "Shopping" and "Bills" stay unsuggested because they fit many accounts.
Not yet measured on a real export, so how many lines it rescues is an open question. The tests use made-up rows.