Any differences in how Amex Blue Cash and NFCU More Rewards define "supermarkets"

[UpperNwGuy]

I had the Amex Blue Cash Everyday through 2016, and I learned by trial and error which stores got the 3% on groceries and which stores did not.  After going for three years without a dedicated grocery card, I'm thinking of applying for the NFCU More Rewards card (aka NFCU Amex).  Does NFCU use the same definition of supermarket as does Amex?

[Anonymous]

You could have just went to Amex’s website which shows all the supermarkets that get 3%

[UpperNwGuy]

I know that.  I'm asking about NFCU, not about Amex.

[M_Smart007]

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@UpperNwGuy wrote:

I know that.  I'm asking about NFCU, not about Amex.

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I have the NFCU More Rewards Amex but have never used at a Store Maybe @kilroy8 can chime in?

Here is some fine print from Navy PDF reagarding the More Rewards Amex.

[UpperNwGuy]

That blurb was definitely written by a lawyer.  What have people's actual experiences been with getting the 3% from NFCU at supermarket chains, independent grocery stores, discount stores, corner markets, etc?

[Anonymous]

AMEX has network level overrides on stores like Walmart and Target from my understanding so if you're expecting the NFCU card to get rewards at the ones coded as grocery stores, I would let that idea go. 

The list on the AMEX site is probably a good list to go by. For myself, I can only confirm when I had the card that King Soopers (CO Kroger store branding) codes as a supermarket just like it does on my BCP now. I don't shop anywhere else. 

[5KRunner]

I’m not sure about supermarkets, and I haven’t tried this with my NFCU More Rewards, but there appears to be a difference between cards issued by AmEx and those issued by other banks in some instances.

For example, my local Meijer supercenter has an associated gas station. My AmEx BCP doesn’t code as 3% when I fill up there, but my WF Propel AmEx does.

I’d imagine, however, that Target and Walmart will only pay 1% with NFCU AmEx, just as they do with AmEx-issued cards.

[Anonymous]

Technically it still runs on the Amex network, correct? So one would assume it would code whatever other Amex cards would.

However, isn't NFCU the one issuing said points on purchases? 

Truthfully the only way to know for sure is to test it out on small purchases around town, and then wait to see how they code.

[M_Smart007]

"Truthfully the only way to know for sure is to test it out on small purchases around town, and then wait to see how they code."

Probably the only way to really know 100% for sure.