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Established Contributor
ztnjpv
Posts: 726
Registered: ‎02-01-2012

Blue Cash: My Walmart uses grocery code. Does it matter?

[ Edited ]

OK. I realize this has prolly been discussed many times but I will rehash it and ask anyway:

 

I went to this site:

http://visa.via.infonow.net/locator/usa/supplier/NewSearch.do

 

...and I looked for stores within a 30 mile radius that used the MCC code for Supermarkets and Groceries (5411) and my local Walmart is on the list. In terms of the Blue Cash preferred with its 6% cash back, does this matter? I do realize that this is a Visa site but I think Merchant Category Codes are uniform. I have always heard that places like Walmart are excluded from the 6% cash back because they are classified as discount stores, supercenters or something to that effect. 

 

But isn't this the very code that determines the cash back category?? Of course, it's also possible that Amex (and other issuers) make a conscious exception for Walmart regrdless of any merchant codes. Does anyone know? Can anyone shed some light on this with your own experience? 

 

Basically, if anyone has tried this card (or another premium cash back card for groceries/supermarkets) at a Walmart, please tell me how that particular Walmart is listed on that link I posted and share your cash back experience. Thank you.

 

I really want to get to the bottom of this. 


Starting Scores (Sept 2011): All lower-mid 600s. CURRENTLY: TU FICO: 801 (3/28/14), EQ FICO 808 (3/28/14), EX FICO 798 (9/4/13) (PSECU). Goal: Achieved! Now Maintain!
Established Contributor
ztnjpv
Posts: 726
Registered: ‎02-01-2012

Re: Blue Cash: My Walmart uses grocery code. Does it matter?

[ Edited ]

BTW, "Discount Stores" and "Wholesale Centers" have their own codes.

 

Sam's Club comes up Wholesale Centers and places like Dollar General and Family Dollar come up under Discount Stores.

 

Walmart, again, comes up under neither.


Starting Scores (Sept 2011): All lower-mid 600s. CURRENTLY: TU FICO: 801 (3/28/14), EQ FICO 808 (3/28/14), EX FICO 798 (9/4/13) (PSECU). Goal: Achieved! Now Maintain!
Established Contributor
andre181
Posts: 624
Registered: ‎07-29-2010

Re: Blue Cash: My Walmart uses grocery code. Does it matter?

[ Edited ]

My local Walmart is also on that list as a grocery store.

 

I haven't used my AMEX BCE at Walmart yet, but I have used my AMEX PRG Gold at Walmart and it shows up as a "Discount Store/Wholesale Store" and I didn't get double points for groceries.

 

And on my Discover More card, Walmart shows up as a "Discount Retail Store" and does not qualify for Discover's 5% cash back for groceries.

Discover IT $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Established Contributor
ztnjpv
Posts: 726
Registered: ‎02-01-2012

Re: Blue Cash: My Walmart uses grocery code. Does it matter?

[ Edited ]

So, IOW, Andre, you're telling me that regardless of that 5411 code, there's prolly no discount? 

 

You should make it a point to go buy some grocery item there at that Walmart and let us know. 

 

But chances are that the same thing will happen. There must be another indicator besides those MCC codes then. I wonder if Visa/MC has the same thing happen.


Starting Scores (Sept 2011): All lower-mid 600s. CURRENTLY: TU FICO: 801 (3/28/14), EQ FICO 808 (3/28/14), EX FICO 798 (9/4/13) (PSECU). Goal: Achieved! Now Maintain!
Established Contributor
andre181
Posts: 624
Registered: ‎07-29-2010

Re: Blue Cash: My Walmart uses grocery code. Does it matter?

[ Edited ]

I just bought a bottle of vodka at Walmart last night on my Discover card. When it clears, I'll see what it says.

 

I also need to go grocery shopping tomorrow morning (throwing a dinner party tomorrow night ugh!) so I'll make a point to use my BCE and see what happens.

Discover IT $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Established Contributor
ztnjpv
Posts: 726
Registered: ‎02-01-2012

Re: Blue Cash: My Walmart uses grocery code. Does it matter?

My walmart purchase on my AMEX Plum shows this:

 

90602376 DISCOUNT STORE
DISCOUNT STORE

Starting Scores (Sept 2011): All lower-mid 600s. CURRENTLY: TU FICO: 801 (3/28/14), EQ FICO 808 (3/28/14), EX FICO 798 (9/4/13) (PSECU). Goal: Achieved! Now Maintain!
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Blue Cash: My Walmart uses grocery code. Does it matter?


andre181 wrote:

I just bought a bottle of vodka at Walmart last night on my Discover card. When it clears, I'll see what it says.

 

I also need to go grocery shopping tomorrow morning (throwing a dinner party tomorrow night ugh!) so I'll make a point to use my BCE and see what happens.



Am I the only one that LOVES this post?     Yay for Vodka, yay for Discover...  :smileyvery-happy:


Starting Score: 08/29/2011 TU 671 EQ 674
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