Does Walmart count as a grocery store for credit cards? This question is about Rewards Credit Cards

Does Walmart count as a grocery store for credit cards?

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This question is about Rewards Credit Cards

Tom Lipkis, WalletHub Credit Card Consultant

@cindercard • 05/10/19 This answer was first published on 05/10/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Walmart is not considered a grocery store for credit cards. Major credit card networks assign a specific merchant category code (MCC) to purchases made at traditional grocery stores. This code doesn’t include “big-box” retailers like Walmart or Target because they sell a lot more than groceries. But Walmart Neighborhood Markets are considered grocery stores for credit cards since they sell groceries exclusively.

If you want to earn bonus rewards on groceries purchased at Walmart, consider the Walmart Store Card. It offers 3% cash back on walmart.com purchases, including grocery pickup. The card also gives 2% cash back on Walmart and Murphy USA gas purchases. All in-store purchases, including groceries, yield 1% cash back.

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What's the best credit card for gas and groceries?

The best credit card for gas and groceries is the Blue Cash Preferred® Card from American Express. It gives 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, earned as statement credits. New cardholders can also earn a $250 statement credit for spending $3,000 in the first 6 months of card membership.

There are plenty of other options to choose from, as well. You can see the complete list of the best credit cards for gas and groceries below.... read full answer

Best Credit Cards for Gas and Groceries

Rates & FeesTerms ApplyBest Overall: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
Best for Costco Members: Costco Anywhere Visa® Card by CitiCostco Anywhere Visa® Card by CitiLearn MoreLearn Moreon issuer's website
Best for Whole Foods Market Purchases: Amazon.com Credit CardAmazon.com Credit CardLearn MoreLearn More
Rates & FeesBest for Flat-Rate Rewards: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
Best for Gas: PenFed Platinum Rewards Visa Signature® CardPenFed Platinum Rewards Visa Signature® CardLearn MoreLearn Moreon issuer's website
Best for Excellent Credit: Bank of America® Customized Cash Rewards credit cardBank of America® Customized Cash Rewards credit cardLearn MoreLearn Moreon issuer's website
Best for Limited Credit: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn More
Best for Bad Credit: Bank of America® Customized Cash Rewards Secured Credit CardBank of America® Customized Cash Rewards Secured Credit CardLearn MoreLearn More

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Ultimately, the best credit card for gas and groceries is the Blue Cash Preferred. But since gas and groceries are some of the most common expenses, it's a popular combination and there are options for every credit level.

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What's the easiest unsecured credit card to get approved for?

One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit. You can get approved for it even with bad credit. This card offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

Easiest Unsecured Credit Cards to Get Approved For

Bad Credit: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
No Credit: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
Students: Journey Student Rewards from Capital OneJourney Student Rewards from Capital OneLearn MoreLearn More
Small Business: Capital One Spark Classic for BusinessCapital One Spark Classic for BusinessLearn MoreLearn More

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.... read full answer

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.

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