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BCP Instacart Coding

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Zoostation1
Valued Contributor

BCP Instacart Coding

Does Instacart code normally code at the 6% grocery or is it a 1%?  Also does it matter if i use Google Pay versus entering the card info normally?  I've had no problems at any grocers for in person transactions.  I only use Instacart maybe once a month, but noticed my delivery from Harris Teeter using Google Pay only got 1%.

Rebuild Started Nov 2021
June 2022 FICO 8:
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Message 1 of 11
10 REPLIES 10
wasCB14
Super Contributor

Re: BCP Instacart Coding

Yes, IC is an Amex "supermarket" bonus category merchant. I last got 4x on Gold on Dec 5.

 

I've even had Costco.com "Same-Day Delivery Powered By Instacart" orders count for the supermarket bonus category.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 2 of 11
Remedios
Credit Mentor

Re: BCP Instacart Coding

Everything on Instacart is going to code as grocery, including Best Buy 🤷‍♀️ 

I don't have BCP but my daughter does and it's trippy like that 

 

Message 3 of 11
wasCB14
Super Contributor

Re: BCP Instacart Coding


@Remedios wrote:

Everything on Instacart is going to code as grocery, including Best Buy 🤷‍♀️ 

I don't have BCP but my daughter does and it's trippy like that 

 


I kind of wonder what sorts of things people get on Instacart from Best Buy.

 

I'm fine with trusting a stranger's discretion in choosing the freshest salad greens. But stuff from Best Buy would mostly seem to fall into the categories of:

 

1. Things I can buy online and get shipped without urgency, and

2. Things I need to replace immediately, for which I want to go into a store and examine my options in detail

 

I suppose IC could be useful if I urgently needed to buy something larger than would fit in my car. An errant indoor football breaking a big TV before a Superbowl party, perhaps? But picking up a big one would seem to require two people and a big vehicle, and AFAIK there's no way to request that in particular on IC.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 4 of 11
Zoostation1
Valued Contributor

Re: BCP Instacart Coding

Looks like I need to either call or chat with them since it's the only grocery purchase I've made that didn't get marked with the 6%.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2025 FICO 8:
June 2025 FICO 9:
Message 5 of 11
TryItAgain
Regular Contributor

Re: BCP Instacart Coding

Yelp everything I ever buy on instacart with BCP is coded as grocery as well.

(Ch7 Discharged 12/12) AvgScore 807

Personal-
NFCU Platinum 50k | NFCU Flagship 20k | NFCU More Rewards 10k | NFCU NavChek PLOC 15k | PenFed Power Cash 25k | PenFed Gold 15k | PenFed Pathfinder 10k | PenFed OLOC 3K | GTE Financial CU 15k | VyStar CU Cash Back 25k | VyStar CU PLOC 15k | FNBO Evergreen 25k | FNBO 11.85K | BofA Cash Rewards 10.1k | Capital One Venture 13k | Capital One QS 7k | PNC Cash Rewards 15.5k | Citi Costco 8.5k | US Bank Cash+ 10k | Discover 14.8k | Discover 14.1k | Regions Cash 6k | Truist Enjoy Cash 9k | Truist Future 6.5k | Elan Max Cash 7k | Wells Fargo Reflect 20k | Fifth Third 7k | USAA PrefRew 15k | CFNA Tires Plus MC 8k | GM Rewards 3.5k | TD Bank Cash 3.5k | Amex BCP 3K | Lowes Store 30k | Sleep Number Store 13.5k | Home Depot Store 10k | Amazon Store 10k | Care Credit 15k | Walmart Store 6k | JCrew 25k | Jared 18.6k | HSN 4.1K | King Size 4k | Buckle 3.1k

Business-
Amex BBC 25k | Amex BBP 22k | Amex Business Platinum NPSL 30.4kPoT | Citizens Business Everyday 35k | Sams Club Business MC 25K | US Bank Business Plat 24k | Capital One Spark 2% 22k | Marcus GM Business 12.5k | Capital On Tap 2% 10k | Chase Ink 3k | Divvy 7k | PNC BLOC 50K | Citizens BLOC 50K | (Private) BLOC 75K | WEX Business Access Fuel 30k | Sams Bus Store 25k
Message 6 of 11
OmarGB9
Community Leader
Super Contributor

Re: BCP Instacart Coding

It may be because you're going through Google Pay. Try it without GP and checkout with your BCP directly.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 7 of 11
Zoostation1
Valued Contributor

Re: BCP Instacart Coding

Will do next time.  I normally don't use Google Pay with Instacart, but did this time around.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2025 FICO 8:
June 2025 FICO 9:
Message 8 of 11
wingennis
Valued Contributor

Re: BCP Instacart Coding

When I had the BCP, Intacart always coded as groceries.  Even when I ordered from Costco.

Message 9 of 11
Zoostation1
Valued Contributor

Re: BCP Instacart Coding

UPDATE:  Forgot about this issue for a while until several more purhcases later. It turned out that the problem is specific to Harris Teeter. I've had several additional IC transactions with Harris Teeter and all (with and without Google pay) are giving me 1% instead of 6% except for an add on tip (post delivery). I'm having no trouble with Publix or anywhere else I've used Instacart. The first time I called Amex it was filed as a general complaint and nothing happened.  2nd time I called in I pressed for rewards instead of general customer service and got someone who looked into it further for me (and explained about the general complaint last time).  After some digging around with me on the line they say it's coded as "US supermarkets" so it's should be earning 6% and are not sure why not but it may take up to 2wks to fix on their end .  It's been about a week so I'll wait another week before contacting them

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2025 FICO 8:
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Message 10 of 11
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