BBVA Compass ClearPoints Rewards Category Question

[JaseT]

Any chance that Walmart would be classified under 'Retail' or 'Groceries' category? I can't seem to find a detailed list of what the BBVA categories include, just the general category names.

[atst2000]

I have this card and it does NOT fall under the grocery category.  Honestly this is the card I dislike the most and plan on cancelling it very soon.  Terrible customer service as many have pointed out.  There are better cards like Discover that are offering 5% off groceries but again not at Wal-Mart...pretty much across the board between cc companies.

[Anonymous]

---

@JaseT wrote:

Any chance that Walmart would be classified under 'Retail' or 'Groceries' category? I can't seem to find a detailed list of what the BBVA categories include, just the general category names.

---

You have to look up the MCC for your Walmart. 

https://www.visa.com/supplierlocator-app/app/

If it’s 5411, it should code as groceries. Since BBVA categories are so broad, I would be surprised if the 5411 stores don’t. Do a test purchase and see. 

[Anonymous]

---

@atst2000 wrote:

I have this card and it does NOT fall under the grocery category.  Honestly this is the card I dislike the most and plan on cancelling it very soon.  Terrible customer service as many have pointed out.  There are better cards like Discover that are offering 5% off groceries but again not at Wal-Mart...pretty much across the board between cc companies.

---

You dislike it and I want a second one. I have had no problems with it at all. 

By the way UMB Simply Rewards counts all Walmart stores under their 3% since they specifically include discount stores in it. Card is pretty hard to get though, very conservative - anything more than 5 or 6 inquiries in 24 months seems to be a denial and they want high scores too, like 750 range. 

[JaseT]

---

@Anonymous wrote:

---

@JaseT wrote:

Any chance that Walmart would be classified under 'Retail' or 'Groceries' category? I can't seem to find a detailed list of what the BBVA categories include, just the general category names.

---

You have to look up the MCC for your Walmart. 

https://www.visa.com/supplierlocator-app/app/

If it’s 5411, it should code as groceries. Since BBVA categories are so broad, I would be surprised if the 5411 stores don’t. Do a test purchase and see. 

---

Thanks Saeren, it does show Walmart as 5411. I wish BBVA let you have the 3% for two categories!

[UncleB]

---

@JaseT wrote:

Any chance that Walmart would be classified under 'Retail' or 'Groceries' category? I can't seem to find a detailed list of what the BBVA categories include, just the general category names.

---

You'll have to test it out and see how your local store codes. 

In my case, I'm nearly certain my local Walmart did code as groceries, but since it's been over a year I can no longer pull the transaction to check for certain.

My 3x category has always been travel, and while I've not used this card in a while (I'm giving my attention to my WF Propel and CSP at the moment) it always worked as expected... no complaints.  

[Anonymous]

---

@JaseT wrote:

---

@Anonymous wrote:

---

@JaseT wrote:

Any chance that Walmart would be classified under 'Retail' or 'Groceries' category? I can't seem to find a detailed list of what the BBVA categories include, just the general category names.

---

You have to look up the MCC for your Walmart. 

https://www.visa.com/supplierlocator-app/app/

If it’s 5411, it should code as groceries. Since BBVA categories are so broad, I would be surprised if the 5411 stores don’t. Do a test purchase and see. 

---

Thanks Saeren, it does show Walmart as 5411. I wish BBVA let you have the 3% for two categories!

---

As long as the Walmart you go to is 5411 it *should* code as groceries. The ones that code as discount stores may not. So most of my Walmarts are grocery but we have a few discount stores too. 

I believe the cards that specifically exempt Walmart actually must be going beyond the MCC and specifically removing Walmart transactions from eligibility. I have heard of no such exemption with BBVA and they even coded my Woot Gourmet purchase as grocery which is still billed as wine.woot. 

What I would be curious to see is if someone tests a discount store Walmart and gets the 3%. With the broad categories BBVA has, it wouldn’t surprise me if they do. 

[JaseT]

---

@Anonymous wrote:

---

@JaseT wrote:

---

@Anonymous wrote:

---

@JaseT wrote:

Any chance that Walmart would be classified under 'Retail' or 'Groceries' category? I can't seem to find a detailed list of what the BBVA categories include, just the general category names.

---

You have to look up the MCC for your Walmart. 

https://www.visa.com/supplierlocator-app/app/

If it’s 5411, it should code as groceries. Since BBVA categories are so broad, I would be surprised if the 5411 stores don’t. Do a test purchase and see. 

---

Thanks Saeren, it does show Walmart as 5411. I wish BBVA let you have the 3% for two categories!

---

As long as the Walmart you go to is 5411 it *should* code as groceries. The ones that code as discount stores may not. So most of my Walmarts are grocery but we have a few discount stores too. 

I believe the cards that specifically exempt Walmart actually must be going beyond the MCC and specifically removing Walmart transactions from eligibility. I have heard of no such exemption with BBVA and they even coded my Woot Gourmet purchase as grocery which is still billed as wine.woot. 

What I would be curious to see is if someone tests a discount store Walmart and gets the 3%. With the broad categories BBVA has, it wouldn’t surprise me if they do. 

---

Like my Savor card which is 2% on groceries

[Anonymous]

Yup and Amex and Disco and just about every other card out there.