Is Walmart Considered A Grocery Store For Credit Cards?

Ronald M. Bieber

There is a misconception that Walmart is a supermarket, but credit card companies may think otherwise. However, surrounding this misconception is an interesting and common question: Is Walmart considered a grocery store for credit cards? Read on to find out.

Walmart is the largest retailer in the world, with over 11,000 stores in many countries and regions. The store attracts more than a third of all grocery purchases and contributes to 30% of total sales for food.

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Is Walmart Considered A Grocery Store For Credit Cards?

Since Walmart has only 30% of its groceries products, credit card networks don't consider Walmart a grocery store. When customers shop at Walmart with an American Express, Chase, Bank of America, Discover, or Visa card, they cannot earn bonus grocery rewards.

Instead of earning points on all purchases, consumers will only earn points on the items that are eligible for a rebate in their local store. You won't earn any reward points if you shop at your favorite store and purchase things like toilet paper, toothpaste, and paper towels.

However, you will earn reward points if you purchase meat or eggs simultaneously. Walmart does have some great deals, though! If you shop at Walmart regularly, you know how much money it can save you buy bulk items like toilet paper or laundry detergent instead of paying for them one by one.

Is Walmart A Grocery Store For American Express?

American Express credit cardholders cannot earn rewards at Walmart because Walmart superstores are not classified as grocery stores in the U.S. The Walmart app also allows you to earn bonus points from other stores such as Costco, Sam's Club, and Kroger. A U.S. fuel station where gasoline is the primary sale of the business also offers rewards through American Express.

A gas station with a convenience store may also offer rewards through American Express. Still, it would be considered a gas station rather than a grocery store to earn Amex rewards at a suitable merchant location. With a purchase of $20 or more at Murphy USA, Murphy Express, or Murphy Express Plus, you earn points on your next purchase when you're a Murphy brand customer.

Is Walmart A Grocery Store For Chase?

Several other more lucrative rewards credit cards are out there due to San Francisco's high cost of living. As a result, Walmart Neighborhood Market codes can be used for shopping at grocery stores.

Customers can also receive $1 cashback from Murphy USA gas stations when they purchase a gallon of gas. Walmart Neighborhood Markets also have a loyalty program called the My Walmart Rewards Program, which is available in the United States and Puerto Rico. The My Walmart Rewards Program rewards shoppers when shopping at Walmart Neighborhood Market stores.

You can use these points to pay for items online or in-store and even earn free money back on your purchases! The most important thing about this card is that you don't need to worry about making minimum payments because it offers 0% introductory interest for 12 months on purchases, balance transfers, and transfers made during that time.

Is Walmart A Grocery Store For Discover?

Discover is a payment card created by Visa and Mastercard to compete with banks' cash advances. It's designed to help consumers avoid the fees associated with using their credit cards. With your Discover card, you can earn 5% cash back when you shop at This offer is not dependent on shoppers using Discover cards. Using your Discover Card at will earn you this cashback bonus.

Walmart offers a variety of products like groceries and apparel. While the selection isn't as extensive as AmazonFresh or Instacart, it's still worth checking out if you want to buy groceries from Walmart without paying membership fees or delivery fees until you finish your shopping list. The best part about this offer is that it doesn't require you to use the Discover card for other purchases to receive the cashback bonus.

You must purchase at Walmart and shop for more savings on other sites like Amazon and eBay. There are also 700 Walmart Neighborhood Market locations where Discover cardholders can earn rewards. The Neighborhood Market stores of Walmart are usually considered to be grocery stores.

Can You Earn Rewards On Groceries At Walmart With A Visa Credit Card?

Unfortunately, Walmart is not permitted to operate as a grocery store. However, when using the PenFed Platinum Rewards Visa Signature Card, customers can earn 3X back on groceries at Walmart. The card is issued by PenFed Credit Union and has no annual or foreign transaction fees. In addition, the rewards are earned through purchases made with the card and do not require any enrollment in a reward program.

The card also offers cash back on gas and online purchases, which can be used for more than just groceries. Additionally, there are no annual fees or foreign transaction fees associated with this product. This makes it one of the best credit cards for earning rewards on groceries.

How Do You Earn Credit Card Rewards On Walmart Groceries?

You can earn cash back on all purchases when you shop at Walmart. With Walmart cashback, customers can get cash back on everyday purchases at the store. Take advantage of's pickup and delivery services for groceries and earn up to 5% cashback.

You can purchase groceries from using your rewards. Walmart requires that you have a valid credit card on file to use this service, so be sure to sign up for one if you don't already have one! You can only get cash back if you make purchases from Walmart.

Discover Points Amazon

Discover Points is a new Amazon Rewards Visa Card feature that lets you earn points for every dollar you spend on eligible purchases*. Eligible purchases include purchases, digital content, and services, including Prime Video, Kindle Books, and Audible Audiobooks. Make your first purchase on the Discover Points Amazon page to earn points. Then, every time you shop on Amazon or use your Discover Card at checkout with your linked bank account, you'll earn 1 point per $1 spent.

Bottom Line

Credit cards can be used at Walmart to buy things in the department where one normally shops for groceries, but the grocery department is only 30% of Walmart's revenue. Therefore, it is not considered a grocery store for credit cards and cannot accept such forms of payment.

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