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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)
More information on categories can be found here: https://www.americanexpress.com/us/content/rewards-info/retail.html
@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.
FYI, Amex considers Walmart Neighboordhood Market a supermarket.
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.
@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!