Reply
New Member
Posts: 26
Registered: ‎06-16-2013
0

Amex coding for supermarkets

My VISA credit cards show the category (the bank just translates the MCC) and most Walmarts near me get categorized as groceries.

 

However, with the new BCP I just got approved for, I now have to find out what category Amex assigns to these stores (http://ficoforums.myfico.com/t5/Credit-Cards/MCC-Codes-and-Grocery-Restaurant-cashback/td-p/1473256)


Is there an easy way (besides going into each store, doing a transaction and waiting to see what category the purchase shows up as) to find out the code for a store from Amex's viewpoint?


The most confusing part seemed to be that the online transaction history for the Amex card could show a category different from what would finally be decided in the statement? (http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-BCE-Supermarket-Definition/m-p/1204689#M337299)

Regular Contributor
Posts: 249
Registered: ‎02-16-2013
0

Re: Amex coding for supermarkets

 

More information on categories can be found here: https://www.americanexpress.com/us/content/rewards-info/retail.html

AMEX True Earnings (14k) || Discover IT (10k) || Chase Sapphire Preferred (6k) || Chase Freedom (6k) || Citi ThankYou Preferred (6.3k) || GE CareCredit (4.9k) || Citi Double Cash (4.9k) || Sallie Mae (4k) || Best Buy (2k) || AMEX Blue Cash Everyday (2k) || Target REDcard (1.5k)
Frequent Contributor
Posts: 317
Registered: ‎05-24-2013
0

Re: Amex coding for supermarkets

PS: I don't know where you live, but Meijer has been computed as a "grocery store" for my BCP. Fortunate, because I would assume it was a superstore otherwise.
Valued Contributor
Posts: 1,145
Registered: ‎04-13-2013
0

Re: Amex coding for supermarkets


manwoot wrote:

 

More information on categories can be found here: https://www.americanexpress.com/us/content/rewards-info/retail.html


+1 I haven't had any problems with Amex miscategorizing stores - the above chart is pretty self-explanatory.


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Valued Contributor
Posts: 1,052
Registered: ‎09-19-2012
0

Re: Amex coding for supermarkets

FYI, Amex considers Walmart Neighboordhood Market a supermarket.

Valued Member
Posts: 37
Registered: ‎06-30-2013
0

Re: Amex coding for supermarkets

I definitely had to do my due diligence before applying for the BCP. With that being said, my mom shops at the neighborhood Walmart and gets 6% back. Furthermore, she also shops at smaller Indian grocerie stores where she gets her meat, seasoning, certain veggies and they register for 6% back as well.

Current Cards:
AMEX Blue Cash Preferred (5/2013): CL - $9,900
Chase Sapphire Preferred (7/2013): CL - $8,700
Chase Freedom (8/2012): CL - $7,000
Chase Freedom (7/2007): CL - $1,300
US Bank Cash+ (04/2015): CL - $5,000
New Contributor
Posts: 96
Registered: ‎04-01-2013
0

Re: Amex coding for supermarkets


mmoon24 wrote:

I definitely had to do my due diligence before applying for the BCP. With that being said, my mom shops at the neighborhood Walmart and gets 6% back. Furthermore, she also shops at smaller Indian grocerie stores where she gets her meat, seasoning, certain veggies and they register for 6% back as well.


Same here. I use my card at a Mexican grocery store and it too counts as the 6%. Heck, I even used it the other day at Smart and Final and I expected that to be categorized as a wholesale warehouse but nah, I checked and AMEX listed it under grocery store. Sweet!



Starting Score: MyFico EQ 694 (3/2013)
Current Score: MyFico EQ 707 (4/1/2013), EX 734 (4/12/2013 - AMEX pull)
Goal Score: 740+, gardening since: 5/17/13



Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.