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How Does Capital One Code Walmart Purchases?
This may be common knowledge, but I definitely did not know that Capital One codes Walmart as a grocery, so wanted to share.
The $103 purchase was in-store and included maybe only three items that would be considered grocery.
The crazy thing to me is that the $18 pending charge is from an online order and it was a beauty product, so definitely not grocery.
I always planned to use my Venture X for 2x points to shop at Walmart since I didn’t think it coded as grocery, but now that it apparently does, I’m going to use SavorOne for 3x!
Does anyone know if this is a bank-specific thing for how Walmart codes?
I feel like I’ve read that it does not code as grocery with Amex.
Does anyone know about any other banks?
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6 Replies
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Only some Walmarts code as grocery.
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I was in the exact same boat.
Saw that Capital One coded Walmart as grocery, got excited and the next time I used my grocery card (BofA custom cash) to pay, and nope, it was code as discount store so no bonus.
Capital One’s coding (at least whatever they display in the app and also the website) in general is very broad/generic and not very helpful.
They show so many things as “other services” when other cards actually tell you what it is specifically.
The best I have seen is the Wyndham business earner card in terms of coding precision.
It tells you the exact merchant code along with the description.
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It doesn’t on every card.
I stopped using my Citi card for this reason.
No 3x points for Walmart.
I use my Venture X now.
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Amex codes as grocery for pickup orders.
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I grab Walmart gift cards at Walmart Neighborhood Markets (they always code as grocery) with my AmEx Gold for 4X.
Then I can use the cards at Walmart, Sam’s Club & Walmart grocery delivery.
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Most Walmarts do not code as grocery, there are a few Neighborhood markets that will though.
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