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Merchant code lookup tool? What will a store code as?

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dlister70
Frequent Contributor

Merchant code lookup tool? What will a store code as?

There used to be a Visa credit card code lookup website that I used, but it's since closed down.  

 

I am currently trying to figure out what stores would code as 5310 discount stores which is a category on the Redstone signature visa.  

 

I found this website:  

 

https://awardwallet.com/en/merchants

 

You can type in a store, and it will tell you a category, but not the MCC number.  I have not found a single store that comes up as "discount store".  I've tried Walmart, Target, Dollar General, Big Lots, Family Dollar, TJ Maxx.. some of these come up on that lookup tool as unexpected.  Big Lots is listed as a wholesale club, Dollar General is listed as Merchandise & Supplies - General Retail.  I'm not particularly confident in a lookup tool that classifies Big Lots the same as Costco.  Smiley Happy

 

Maybe my google search terms are terrible, but I can't find a list anywhere of what sorts of stores code as 5310.  

 

Are there any alternatives to the now-defunct Visa lookup tool?

 

 




Message 1 of 14
13 REPLIES 13
FireMedic1
Community Leader
Mega Contributor

Re: Merchant code lookup tool? What will a store code as?

What card are you talking about?


TWO MORE MONTHS NO BK! (on Eq/Ex)
Message 2 of 14
dlister70
Frequent Contributor

Re: Merchant code lookup tool? What will a store code as?


@FireMedic1 wrote:

What card are you talking about?


The Redstone Federal Credit Union Signature Visa:

 

https://www.redfcu.org/personal/credits-cards/visa-signature/

 

5% on gas & restaurants, 3% on groceries, discount stores, wholesale clubs, utilities, phone & streaming services, 1.5% on everything else.

 

I have a pretty good idea on the other categories, but I don't know what a "discount store" is.  I've read that some Walmarts and Targets will code that way, but some won't.  I'm trying to figure out if my local ones will, and what other possible stores that I'm not thinking of might be included.  Redstone does not specify 5310, that's just the code that came up when I googled for the MCC for discount store, so I guess it's possible that it's not that, but that seems the most likely code.  




Message 3 of 14
kremonis
Frequent Contributor

Re: Merchant code lookup tool? What will a store code as?


@dlister70 wrote:

@FireMedic1 wrote:

What card are you talking about?


The Redstone Federal Credit Union Signature Visa:

 

https://www.redfcu.org/personal/credits-cards/visa-signature/

 

5% on gas & restaurants, 3% on groceries, discount stores, wholesale clubs, utilities, phone & streaming services, 1.5% on everything else.

 

I have a pretty good idea on the other categories, but I don't know what a "discount store" is.  I've read that some Walmarts and Targets will code that way, but some won't.  I'm trying to figure out if my local ones will, and what other possible stores that I'm not thinking of might be included.  Redstone does not specify 5310, that's just the code that came up when I googled for the MCC for discount store, so I guess it's possible that it's not that, but that seems the most likely code.  


@dlister70 

It seems your only options is to test it out. Does this CU itemize and list charges along with cash back earned? Chase and BOA do.

 

I am thinking about applying for this credit card. Are there any tips you would like to share?

Message 4 of 14
dlister70
Frequent Contributor

Re: Merchant code lookup tool? What will a store code as?

 


@dlister70 

It seems your only options is to test it out. Does this CU itemize and list charges along with cash back earned? Chase and BOA do.

 

I am thinking about applying for this credit card. Are there any tips you would like to share?


Unfortunately, the web interface and statements from Redstone are pretty bad.  They don't indicate what rate the reward was for each charge.  There's just a total of how many points you earned that month.  With this card, it's going to be really difficult to figure out what rate you got for what charge and if the total doesn't add up to what you thought it was, you don't know which charge was the culprit.

 

As for tips for the card, I believe you have to be a member to apply because it asked for my member number in the app.  There are other threads showing ways you can join.

 

Here is my approval thread with details of my app.  I had to recon to get it:

 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Redstone-Visa-Signature-approved-after-recon/...




Message 5 of 14
phantasm
Contributor

Re: Merchant code lookup tool? What will a store code as?

@dlister70 - Did you ever figure out what merchants codes as a discount store? I've been searching to find the same with no success. 

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Message 6 of 14
AndySoCal
Senior Contributor

Re: Merchant code lookup tool? What will a store code as?

@dlister70  Discount store examples would be Target and some Walmarts.  My local Walmart is a supercenter. When I order my groceries  online  the code used is discount store. 

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000 Commonwealth Credit Union 15000 07/25
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
Message 7 of 14
Anonymous
Not applicable

Re: Merchant code lookup tool? What will a store code as?


@AndySoCal wrote:

@dlister70  Discount store examples would be Target and some Walmarts.  My local Walmart is a supercenter. When I order my groceries  online  the code used is discount store. 


Did you read the original post?

"I've read that some Walmarts and Targets will code that way, but some won't.  I'm trying to figure out if my local ones will, and what other possible stores that I'm not thinking of might be included."

 

OP is trying to find out whether specific stores code that way.

Message 8 of 14
AndySoCal
Senior Contributor

Re: Merchant code lookup tool? What will a store code as?

@Anonymous @dlister70  Here is how you find out how the transaction is coded  click on the plus sign next to the transaction Redfcu.PNG

 

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000 Commonwealth Credit Union 15000 07/25
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
Message 9 of 14
Anonymous
Not applicable

Re: Merchant code lookup tool? What will a store code as?


@AndySoCal wrote:

@Anonymous @dlister70  Here is how you find out how the transaction is coded  click on the plus sign next to the transaction Redfcu.PNG

 


And that's great for once you have made the transaction.  OP is trying to answer the question "If I go to store X, will it code as a discount store?  (And if not, which stores will)."

Message 10 of 14
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