topic Re: List of MCCs that qualify for Capital One Savor bonus? in Credit Cards

List of MCCs that qualify for Capital One Savor bonus?

BijouMan — Mon, 01 Aug 2022 01:28:53 GMT

For some reason, merchants coding as “Candy, Nut and Confectionery Stores” do NOT qualify for bonus points from Capital One Savor. I have been to quite a few of these and have only gotten 1X.

Re: “Candy, Nut and Confectionery Stores” do NOT qualify for Capital One Savor bonus

K-in-Boston — Sun, 31 Jul 2022 23:17:45 GMT

Those are not dining, grocery, streaming, or entertainment. Is there another category they should fall under? There are a lot of merchant types where one can buy food (bakeries and butcher shops would be other MCCs that come to mind) that wouldn't be classified as grocery unless they were misclassified as such by their merchant processor.

Re: “Candy, Nut and Confectionery Stores” do NOT qualify for Capital One Savor bonus

kdm31091 — Mon, 01 Aug 2022 00:11:39 GMT

Some issuers are more liberal than others with which MCCs they'll include. I know Bank of America does (or used to at least last time I tried) include candy/nut/confection in their "grocery" category, but I can't think of any other bank that does.

Re: “Candy, Nut and Confectionery Stores” do NOT qualify for Capital One Savor bonus

BijouMan — Mon, 01 Aug 2022 00:15:42 GMT

@K-in-Boston wrote:
Those are not dining, grocery, streaming, or entertainment. Is there another category they should fall under? There are a lot of merchant types where one can buy food (bakeries and butcher shops would be other MCCs that come to mind) that wouldn't be classified as grocery unless they were misclassified as such by their merchant processor.

On both Capital One's app and website, “Candy, Nut and Confectionery Stores” are listed as "Grocery." MaxRewards, which obtains and displays the exact MCC, says "Grocery - Candy, Nut Confectionery Stores." Not sure why Capital One would exclude “Candy, Nut and Confectionery Stores” from the eligible MCCs. On the other hand, merchants coding as "Bakeries," also falling under the "Grocery" category, qualify for the 4X "Dining and Entertainment" bonus.

Re: “Candy, Nut and Confectionery Stores” do NOT qualify for Capital One Savor bonus

K-in-Boston — Mon, 01 Aug 2022 00:33:17 GMT

You're conflating the broad categories that credit card issuers list next to your charges for informational purposes with the actual MCCs of the merchant. The types of stores you are describing are all 5441. Grocery Stores as well as Supermarkets are 5411. As @kdm31091 stated, issuers are free to choose which MCCs will qualify for bonus categories. In your case, grocery products sold under merchant classifications that fall under the grocery umbrella are not the same as shopping at a grocery store. A card may offer bonuses for car parts (5533) and tires (5532). While they would probably all show up as "Automotive," that same bonus is unlikely to apply to Snowmobile Dealers (5598).

List of MCCs that qualify for Capital One Savor bonus?

BijouMan — Mon, 01 Aug 2022 00:55:34 GMT

Can anyone provide a full list of merchant category codes that trigger the 4X "dining and entertainment" and 3X "grocery" rewards categories on Capital One Savor? I have run across some that I wouldn't expect to trigger these bonuses but did and some that I expected to trigger these bonuses but didn't.

Re: List of MCCs that qualify for Capital One Savor bonus?

UncleB — Mon, 01 Aug 2022 02:50:42 GMT

@BijouMan wrote:
Can anyone provide a full list of merchant category codes that trigger the 4X "dining and entertainment" and 3X "grocery" rewards categories on Capital One Savor? I have run across some that I wouldn't expect to trigger these bonuses but did and some that I expected to trigger these bonuses but didn't.

I doubt anybody will have an exhaustive list of MCCs for the Savor, but folks might be willing to share their experiences.

I can contribute a data point... streaming services (usually) use the MCC 4899, which is also used by cable/satellite providers. In my case, Dish Network and AT&T Fixed Wireless Internet (but not AT&T Wireless or landline) use this MCC. So I'll sometimes use my Savor to pay the Dish Network and AT&T Internet bills for 4% cash back.

Also, what doesn't work... Capital One excludes Walmart from the grocery category, and their system is good at "seeing" Walmart purchases even if it's run through another wallet. Back when Paypal Key was still around it did not work for bypassing the WM exclusion, even though the grocery MCC was passed along.

Re: List of MCCs that qualify for Capital One Savor bonus?

Hoben02 — Mon, 01 Aug 2022 11:24:20 GMT

There is a vendor lookup tool in the awardwallet app that could be useful I will use it to help in picking the right card to use

Re: List of MCCs that qualify for Capital One Savor bonus?

SUPERSQUID — Mon, 01 Aug 2022 11:47:16 GMT

@BijouMan wrote:
For some reason, merchants coding as “Candy, Nut and Confectionery Stores” do NOT qualify for bonus points from Capital One Savor. I have been to quite a few of these and have only gotten 1X.

Just buy the peanuts and candy in a grocery store, problem solved.

Re: List of MCCs that qualify for Capital One Savor bonus?

BijouMan — Mon, 01 Aug 2022 16:36:35 GMT

@Hoben02 wrote:
There is a vendor lookup tool in the awardwallet app that could be useful I will use it to help in picking the right card to use

I use MaxRewards. There is a lookup tool in the app but it doesn't know about the merchants' MCCs and which ones trigger the bonus rewards, and it also only lists merchants in the USA.

Re: List of MCCs that qualify for Capital One Savor bonus?

unsungivy — Tue, 02 Aug 2022 11:56:50 GMT

Would be useful to know. I will say that Savor tends to have a broader range of "grocery" when it comes to shops, such as butchers and bakers. Even the corner Wawa counts as grocery (and it's a convience store, no gas, though I don't know their MCC).

Rule for P2 is "if it's a chain supermarket and they take contactless, use the BCP in Google Pay... for small food shops, and convience stores (and places without contactless pay), use the Savor". I would definitely have thought a Candy/Nut store would have counted for them... an Ice Cream/Candy store in Sweden counted as grocery (not dining) for me just last month. Don't know their MCC though.

Having things fall into "Entertainment" has been more elusive. Most museums don't, for some reason. Maybe they think that's "Travel" instead... which means they don't know what P2 does for fun.

Re: List of MCCs that qualify for Capital One Savor bonus?

Anonymous — Mon, 15 Aug 2022 06:17:08 GMT

My Savor One codes local confectionary store as grocery:

Sarkis Pastry
Pastry shop

Family-operated Armenian bakery featuring traditional Middle Eastern & European sweets & pastries.

And Starbucks for dining lol, maybe I should try Disco It CB there(this quarter 5%)

Re: List of MCCs that qualify for Capital One Savor bonus?

unsungivy — Tue, 16 Aug 2022 17:04:23 GMT

Does Target typically qualify as "Grocery" for Savor/Savor1? I didn't think it did, but P2 got credit for it recently when using his Savor card through Curve... got 3% for Target as Grocery. Was very surprised!

I'm not crazy right? Target is not normally grocery for Cap1? It's excluded like Walmart, unless it's a "special" grocery-based one, right? I'm thinking that the Curve pass-through allowed it to just see the MCC, not the store "name" as the deciding factor (since Curve passes through the MCC, but all the other information they pass-through is very limited, and all transactions code to their Brooklyn address.)

Re: List of MCCs that qualify for Capital One Savor bonus?

UncleB — Tue, 16 Aug 2022 17:11:02 GMT

@unsungivy wrote:
Does Target typically qualify as "Grocery" for Savor/Savor1? I didn't think it did, but P2 got credit for it recently when using his Savor card through Curve... got 3% for Target as Grocery. Was very surprised!

I'm not crazy right? Target is not normally grocery for Cap1? It's excluded like Walmart, unless it's a "special" grocery-based one, right? I'm thinking that the Curve pass-through allowed it to just see the MCC, not the store "name" as the deciding factor (since Curve passes through the MCC, but all the other information they pass-through is very limited, and all transactions code to their Brooklyn address.)

This is a very interesting data point... I was able to use the old Paypal Key (RIP) with Discover to bypass the Walmart exclusion in the 1st quarter. Notably this did not work with Chase Freedom or Capital One, but I was able to max-out the grocery quarter using PPK/Discover at Walmart.

With that in mind, I was hoping that a Curve/Discover combination would work the same way. Some Target stores code as grocery anyway, but if your local store is usually excluded but using Curve bypasses that exclusion with Savor that gives me hope!

Re: List of MCCs that qualify for Capital One Savor bonus?

unsungivy — Tue, 16 Aug 2022 21:49:37 GMT

@UncleB wrote:
@unsungivy wrote:
Does Target typically qualify as "Grocery" for Savor/Savor1? I didn't think it did, but P2 got credit for it recently when using his Savor card through Curve... got 3% for Target as Grocery. Was very surprised!

I'm not crazy right? Target is not normally grocery for Cap1? It's excluded like Walmart, unless it's a "special" grocery-based one, right? I'm thinking that the Curve pass-through allowed it to just see the MCC, not the store "name" as the deciding factor (since Curve passes through the MCC, but all the other information they pass-through is very limited, and all transactions code to their Brooklyn address.)
This is a very interesting data point... I was able to use the old Paypal Key (RIP) with Discover to bypass the Walmart exclusion in the 1st quarter. Notably this did not work with Chase Freedom or Capital One, but I was able to max-out the grocery quarter using PPK/Discover at Walmart.

With that in mind, I was hoping that a Curve/Discover combination would work the same way. Some Target stores code as grocery anyway, but if your local store is usually excluded but using Curve bypasses that exclusion with Savor that gives me hope!

Unfortunately it's not a local Target... it's one P2 had ocassion to visit several times during business travel, and he'd forgotten the pre-paid gift cards I'd instructed him to use at those stores. Guess more data is needed.... a Target that is known to definitely not code as grcoery normally.