Re: Walmart and Custom Cash

AndySoCal · ‎04-17-2023

I currently order my groceries and have them delivered. Will Custom Cash recognize Walmart a grocery store or not? From my search of the boards on My FICO it appears to be hit or miss. I live in the Los Angeles area if that helps.

EDITED TO ADD: I submitted an order to Walmart it is a supercenter using custom cash. I looked at the pending charge this Walmart is being classified a a discount store. This does not fit any spending catagory of cards that I have. So I will use my Synchronny Premier Master Card with a flat 2% cash back in the future. I will examine other other options.

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 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo

GZG · ‎04-17-2023

@AndySoCal wrote:
I currently order my groceries and have them delivered. Will Custom Cash recognize Walmart a grocery store or not? From my search of the boards on My FICO it appears to be hit or miss. I live in the Los Angeles area if that helps.

which merchant are you using?

Walmart directly? Instacart? Uber?

Starting FICO 8:

Current FICO 8:

GhostCredit · ‎04-17-2023

Just use boa cash rewards

JoeRockhead · ‎04-18-2023

It may code as grocery but most of the big discount superstores are excluded from getting the added % at most of the major lenders. Some like Amex have been known to allow the Walmart Neighborhood Markets since they're supposed to be exclusively grocery stores.

AndySoCal · ‎04-18-2023

@GZG I order directly from Walmart. Not sure if mastercard will tret it differently than Visa does. I have thought about Amex Blue cash everyday card. I currently do not have the card.

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 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo

ptatohed · ‎04-18-2023

@AndySoCal ,

Why not the Cap 1 WM MC? 5% CB.

Or, 7.1% CB with the Shop Your Way app (you get 5% CB with your Cap 1 card and an extra 2.1% in SYW points using the app to order).

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

isik · ‎04-18-2023

@AndySoCal wrote:
@GZG I order directly from Walmart. Not sure if mastercard will tret it differently than Visa does. I have thought about Amex Blue cash everyday card. I currently do not have the card.

I have a Amex BCP, orders from Walmart.com don't count as groceries even when ordered from a neighborhood market.

Personal:

American Express Blue Cash Preferred - CL $9,000 - SL $1,000

Bank of America Customized Cash Rewards Visa Signature - CL $8,300 - SL $1,500

Discover It Cashback - CL $7,100 - SL $1,500

Capital One Quicksilver - CL $4,000 - SL $300

Ikea Projekt Store Card - CL $9,000 - SL $9,000

Chase Amazon Prime Visa Signature - CL $4,500 - SL $3,000

Business:

Chase Ink Business Preferred - CL $5,500 - SL $5,500

US Bank Business Altitude Power - CL $4,000 - SL $4,000

FICO 8:

AndySoCal · ‎04-18-2023

@ptatohed I do not like Capital One but not for the reasons that are popular here on the forum. I used to have a savings and credit card (Quick Silver no annual fee) relationship with them no more. The reason I do not like them is simply is this their ability to be fined by bank regulators. Below are couple of examples.

https://www.fincen.gov/news/news-releases/fincen-announces-390000000-enforcement-action-against-capi...

https://www.ftc.gov/news-events/news/press-releases/2021/09/ftc-fines-capital-one-ceo-richard-fairba...

The one below is the one that caused me to close all my accounts with them

https://www.theregister.com/2020/08/07/capital_one_fine/

At that time I swore I swore I would never do business with them again. Fast forward to May 2022 I decided to switch grocers from a Kroger owned store chain to Walmart. The tempation of the Capital One Walmart caused me to to change on my previous decision. See my siggy. Fast forward to last week. I asked for a CLI on the card of $500.00 (No previous requests ever) The denied the request with the verbiage that means you do not spend enough with us. My response to that is if you do not like how much I spend then I stop spending money on your credit card. I know it will not change anything. This why I am exploring other options at the moment. I hope Walmart leaves Capital One.

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 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo

Walmart and Custom Cash Updated

Walmart and Custom Cash Updated