Best Credit Card for Walmart Supercenter in 2026
Walmart Supercenter is classified under MCC 5399 (Misc. General Merchandise). The best card for Walmart Supercenter purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 6x on misc. general merchandise — an effective return of 6.00%.
Walmart Supercenters are a goldmine for rewards enthusiasts because they fall under the miscellaneous general merchandise category, often covered by cards with flexible spending options.
To maximize rewards, use your high-reward card for bulk purchases and subscribe & save deals at Walmart Supercenter.
Spending Math
If you spend $200 a month at Walmart Supercenter on a card offering Shopper Cash Rewards at 6x points, you'd earn $144 in annual cash back. That's six times more than the paltry $24 you’d get from a standard 1% card.
Walmart Supercenter purchases are classified under MCC 5399 (Misc. General Merchandise).
MCC Details for Walmart Supercenter
Best Credit Cards for Walmart Supercenter (2026)
How Walmart Supercenter Codes on Your Statement
When you pay at Walmart Supercenter at their locations, your card issuer sees MCC 5399 in the transaction data. This code tells your bank that the purchase was made at a misc. general merchandise merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "misc. general merchandise" purchases, Walmart Supercenter transactions will qualify — even if your card terms only mention a category name and not Walmart Supercenter specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Walmart Supercenter transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5399 qualifies for bonus rewards.
Bonus Category Match — Walmart Supercenter
About MCC 5399: Misc. General Merchandise
Merchant Category Code 5399 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Misc. General Merchandise industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5399, all qualifying card programs that include misc. general merchandise as a bonus category will apply the elevated earn rate.
The Retail industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Misc. General Merchandise merchants: Kmart.
What You Could Earn at Walmart Supercenter
Spending $200/month at Walmart Supercenter with the Shopper Cash Rewards (6x on misc. general merchandise) earns approximately $144/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $49 more per year.
Prefer no annual fee? The AAA Daily Advantage earns 3x at Walmart Supercenter merchants, earning $72/year with no annual fee.