Does it count?
Card bonuses follow how a store codes the purchase, not what you bought. That's why groceries from Walmart usually don't earn a grocery bonus. Here are plain answers to the questions people ask most.
Does Walmart count as groceries?
Walmart codes as a superstore, so most cards pay only their base rate here — even on groceries. The OnePay CashRewards card earns 3% at Walmart (5% with Walmart+); a flat 2% card is the usual best pick otherwise.
Best card for Walmart →Does Target count as groceries?
Target codes as a superstore, not groceries, for most cards — including food. Target's own Circle Card saves 5% at Target; otherwise a flat-rate card or a rotating 5% quarter featuring Target wins.
Best card for Target →Does Costco count as groceries — and which cards does Costco accept?
Costco is a warehouse club: purchases don't count as groceries for most cards. The Costco Anywhere Visa earns 2% here (5% on Costco gas).
Best card for Costco →Does Walmart Neighborhood Market count as groceries?
Walmart Neighborhood Market stores are grocery stores and often code as groceries, unlike Walmart Supercenters — check your statement to confirm with your card.
Best card for Walmart Neighborhood Market →Does Sam's Club count as groceries?
Sam's Club is a warehouse club — not groceries for most cards. Unlike Costco, it accepts all major card networks.
Best card for Sam's Club →Does BJ's count as groceries?
BJ's is a warehouse club — not groceries for most cards. It accepts all major card networks.
Best card for BJ's Wholesale Club →Does Costco gas count as a gas station?
Costco gas codes as a gas station for most cards; the Costco Anywhere Visa earns 5% here. Pumps take only Visa credit cards.
Best card for Costco Gas →Does Whole Foods count as groceries?
Whole Foods codes as a grocery store; the Amazon Prime Visa earns 5% here with Prime.
Best card for Whole Foods Market →Does Instacart count as groceries?
Instacart can code as groceries or as delivery depending on the card — Sapphire Preferred counts it as online groceries (3x).
Best card for Instacart →Does Amazon count as online shopping?
Amazon codes as online shopping. The Amazon Prime Visa earns 5% with an eligible Prime membership; cards with a U.S. online retail bonus also earn extra here.
Best card for Amazon.com →Does DoorDash count as dining?
DoorDash codes as food delivery; many cards count delivery as dining.
Best card for DoorDash →Does Uber Eats count as dining?
Uber Eats codes as food delivery; many cards count delivery as dining.
Best card for Uber Eats →Does Uber count as travel or transit?
Uber rides code as rideshare/transit for most cards.
Best card for Uber →Does Lyft count as travel or transit?
Lyft rides code as rideshare/transit for most cards.
Best card for Lyft →Does Starbucks count as dining?
Starbucks codes as dining, and reloading the Starbucks app usually counts as dining too.
Best card for Starbucks →Does CVS count as a drugstore?
CVS codes as a drugstore — except CVS locations inside Target, which code as Target.
Best card for CVS Pharmacy →Does YouTube TV count as streaming?
YouTube TV is on most streaming-bonus lists (e.g. Blue Cash Preferred 6%); billing through Apple or Google may not count.
Best card for YouTube TV →Does Netflix count as streaming?
Netflix codes as streaming; if you pay through Apple, Google or a bundle, it may not count.
Best card for Netflix →Does Airbnb count as travel?
Airbnb codes as travel/lodging for most cards.
Best card for Airbnb →Does Expedia count as travel?
Expedia codes as travel (an online travel agency). Hotel and airline cards often pay more when you book direct.
Best card for Expedia →Does Best Buy count as an electronics store?
Best Buy codes as an electronics store — a bonus category on cards like U.S. Bank Cash+ (if chosen).
Best card for Best Buy →Does Home Depot count as home improvement?
The Home Depot codes as a home improvement store.
Best card for The Home Depot →Does IKEA earn any bonus category?
IKEA codes as a furniture store — usually base rate, except cards with a home furnishings option like Bank of America Customized Cash.
Best card for IKEA →Does TJ Maxx earn any bonus category?
TJ Maxx codes as a discount clothing store — usually base rate, so a flat 2% card wins.
Best card for TJ Maxx →Can I earn rewards on car insurance?
Insurance premiums earn only base rate on almost every card — a flat 2% card is the best you can do.
Best card for GEICO →Does Xfinity count as internet & cable?
Xfinity internet and TV codes as internet/cable — a bonus category for cards like Ink Business Cash and U.S. Bank Cash+.
Best card for Xfinity →Should I pay utility bills with a credit card?
Utility bills often carry a card convenience fee; check before paying by card.
Best card for PG&E →Can I earn points on rent?
Bilt lets you pay rent by card without the usual 3% fee and earn Bilt points on housing payments.
Best card for Bilt (rent payments) →Does GoFundMe count as charity?
GoFundMe donations may not code as charity with every card.
Best card for GoFundMe →Which card earns the most at Apple?
Apple purchases earn 3% with the Apple Card (when paid with Apple Pay or the card).
Best card for Apple →Paying somewhere else? Look up any store.