Merchants · Walmart
Does Walmart count as groceries for credit card rewards?
· Category rules checked against issuer terms
Usually not. Most Walmart stores are classified as discount stores, and several issuers name Walmart specifically as excluded from their grocery bonus. Walmart.com can count as online shopping on some cards.
- Discount store or superstore purchases
- U.S. online retail on American Express (Walmart.com is a named example)
- Grocery on Capital One Savor (Walmart named as excluded)
- Grocery or online grocery on Chase
- Grocery or gas on U.S. Bank Altitude Go
- Gas bonuses on American Express
How Walmart is coded
Walmart Supercenters sell groceries alongside clothing, electronics and pharmacy items, so they're generally classified as discount stores. Cardholders report that some smaller Neighborhood Market stores code as grocery stores, but it varies by location.
| MCC | Category | Where it applies |
|---|---|---|
| 5310 | Discount Stores | Most Walmart Supercenters and discount stores (commonly reported) |
| 5411 | Grocery Stores, Supermarkets | Some Walmart Neighborhood Market locations (reported by cardholders; varies by store) |
| — | Walmart.com, pickup and delivery, Walmart+ | No reliable published code |
How card issuers treat it
- Capital One. Savor's grocery category says "Superstores like Walmart and Target are excluded."
- Chase. Online grocery excludes Target, Walmart and wholesale clubs, and the grocery category excludes discount stores.
- U.S. Bank. On Altitude Go, discount stores and supercenters "such as Target and Walmart" earn the base rate for grocery and gas.
- American Express. Superstores are not considered supermarkets, and Walmart is named as a merchant where gas doesn't earn the gas bonus. Walmart.com is listed as an example of an eligible U.S. online retailer.
- Discover. Grocery quarters exclude supercenters and discount stores, though some quarters have named Walmart as its own bonus category. Check the current calendar.
Good to know before you pay
- Walmart has its own co-brand card, the OnePay CashRewards card issued by Synchrony Bank, which launched in 2025.
Getting the most from Walmart purchases
- A flat-rate card usually beats a grocery card that only earns its base rate at a Walmart Supercenter.
- If your card has an online shopping bonus, Walmart.com purchases may earn it even when in-store purchases don't.
- If a rotating category names Walmart this quarter, activate it before you shop.
- Look at how a recent purchase posted on your statement or in your card app. That shows the category your issuer actually assigned.
Common questions
Does Walmart count as groceries on the Amex Gold Card?
Usually not. American Express says superstores are not considered supermarkets. Walmart.com can count as U.S. online retail on Amex cards that reward it.
Does Walmart grocery pickup count as groceries?
Not on Chase cards: Chase excludes Walmart from online grocery. The exact code for pickup and delivery isn't published.
Is Walmart a grocery store for Capital One Savor?
No. Capital One says superstores like Walmart and Target are excluded from Savor's grocery category.