Credit Cards

Exotic merchant code cashback

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  • Sep 14th, 2021 4:23 pm
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[OP]
Sr. Member
Mar 25, 2015
783 posts
711 upvotes

Exotic merchant code cashback

UPD: if you want most up to date collected listing, check the thread summary

I know that probably this topic is probably going to be difficult, but I wonder if there's any information about more rare merchant code cashback on any cards (excluding classic "everything else" cards).

The things that I have in mind:
* Duty free stores
* Drugmart - increasingly becomes rare category due to constant devaluation on premium cards?
* Dental - perhaps, completely unrealistic?!
* Casino - well, I guess nope.jpg, but out of curiosity I would be amazed to know if there's any targeted cashback ever for such lol
* Postal services - I could imagine existence of such, but never seen myself. FedEx/CanadaPost tagretted cashback?
* Staples-home office like - except of Tangerine and more targeted CT I'm not sure if there's any, but would be good to know
* Discount stores - perhaps, only targeted offers by cards of Walmart, Brim, Neo, Tangerine and Costco fit in this? Correct me if I'm wrong about what belongs to this category anyway
* Furniture - probably only Tangerine?

Less interesting due to wide coverage by Travel cards:
* Travel airlines - what merchant codes even considered to be travel and does it include duty free stores?
* Car rentals/hotel bookings - is it all brand-based only or there's any example like "one card that would include all merchant codes" of those categories?

Overall, it would be interesting to have some compendium of such exotic categories for rare shopper.
Last edited by dimon222 on Sep 10th, 2021 6:57 pm, edited 4 times in total.
Thread Summary
Only >=2% coverages are as of interest.

We're ignoring Amex SCP, Brim WE for obvious "everything" 2% reasons.

Bakeries - Vancity Enviro Visa Infinite 2.5%
Candy Stores - Vancity Enviro Visa Infinite 2.5%
Dairy Products Stores - Vancity Enviro Visa Infinite 2.5%
Discount Stores - Walmart Supercenters considered Grocery store on Mastercard, so respective grocery mastercard cashback cards can be useful
Drugmarts - Amex Gold 2X MR, Tangerine 2%, Meridian Cashback Visa Infinite - 2%.
Furniture - Targerine 2%
Freezer and Locker Meat Provisioners - Vancity Enviro Visa Infinite 2.5%
Misc. Food Stores Convenience Stores and Specialty Markets - Vancity Enviro Visa Infinite 2.5%
Office Supplies - common on business cards, Amex Biz Edge 3X MR being an example.
Transportation Services Not Elsewhere Classified - Vancity Enviro Visa Infinite 5%

Alternative strategies:
1. Get 4-5% gas or grocery cashback card and buy prepaid cards accordingly on gas stations/grocery stores.
2. Get Crypto.com Visa prepaid card with stake for 2%+ for massive coverage for a majority of categories except this listing
3. Targeted offers - Neo card, STACK, Triangle CT, Brim
8 replies
Deal Addict
Feb 4, 2019
2687 posts
4373 upvotes
BC
Duty free stores -> these actually have their own MCC (5309), unlikely that any card has an accelerator for it. Perhaps if you buy duty free on board of an airplane it *might* code as airline.

Drugmart -> Amex Gold 2X MR, Tangerine 2%

Airline/hotel/car rental -> lots of cards with catch-all travel accelerators (HSBC WE, Amex Plat/Gold/Cobalt, etc.)

Staples -> Amex Biz Edge 3X MR on office supplies

Discount stores -> Walmart supercenters code as grocery store on Mastercard
Deal Fanatic
User avatar
Jan 4, 2011
5823 posts
7185 upvotes
Montreal
If you are willing to get U.S. cards, there are several niche categories, such as:

- Shipping purchases

- Advertising purchases made with social media sites and search engines

-Internet, cable and phone services

- Office supply stores

- Online, TV and radio advertising (U.S. merchants only)

- Computer hardware, software and cloud systems (U.S. merchants only)
Deal Fanatic
Jan 19, 2017
7411 posts
4324 upvotes
Get a cc with 5x or 5% on gas or grocery. Then buy prepaid cards at gas station or grocery stores for at least 3% net.
Deal Expert
User avatar
Jan 9, 2011
15230 posts
20497 upvotes
Vancouver
Vancity Enviro Visa Infinite gives 5% on 4789 "Transportation Services Not Elsewhere Classified" which includes BC Ferries. It also gives 2.5% back on these more unusual "grocery" merchants that don't qualify as grocery on most other cards:

5462 Bakeries
5441 Candy Stores
5422 Freezer and Locker Meat Provisioners
5451 Dairy Products Stores
5499 Misc. Food Stores – Convenience Stores and Specialty Markets
Deal Expert
User avatar
May 8, 2009
15528 posts
14039 upvotes
Going to the Moon
Crypto dot com (CDC) prepaid VISA.

1/2/3/5/8% cashback on "anything AND everything" with few exceptions... including
  • utilities (Plastiq)
  • insurance
  • gift shops, including some post offices

Otherwise use gift card or prepaid card reload trick at the grocery till or gas bar with cards that carry such accelerators.

Many of us grab the CDC card that offers 3%/everything. no-AF and no-FTF, but there is an investment component equivalent to the minimum balance of a chequing account in many cases, so it's nothing outrageous.

Aside @rhw123 mentioned AmEx business Edge for office supplies, there's a BNS business VISA with such an accelerator afaik.

OP, also consider spend volume in each of those categories to see if any dedicated card for those categories remotely matters.
Premium Life: CDC [Icey Private Status]/SwissBorg Genesis/InLock/Netflix UHD [100% off]/Amazon [Prime 100% off]/Instacart [Express]
*emojis removed for rule violations*
Deal Addict
Feb 4, 2019
2687 posts
4373 upvotes
BC
titaniumtux wrote: Aside @rhw123 mentioned AmEx business Edge for office supplies, there's a BNS business VISA with such an accelerator afaik.
Indeed, Scotia Momentum for business. 3% on office supplies.

Also, BMO business CCs have accelerator for office supplies. 1.5% CB or 3X BMO rewards.

Seems like this is a pretty common accelerator on business cards after all.
[OP]
Sr. Member
Mar 25, 2015
783 posts
711 upvotes
Compiled above mentioned stuff to thread summary. On top of it, I have finally got chance to try out CDC card on various categories and it does indeed have decent coverage. I don't see any other way there could be 3%+ cashback on majority of categories it supports. I wonder if duty free stores will be classified as gifts on it or if it will actually make sense there.
Sr. Member
Feb 28, 2014
964 posts
1141 upvotes
dimon222 wrote: UPD: if you want most up to date collected listing, check the thread summary

I know that probably this topic is probably going to be difficult, but I wonder if there's any information about more rare merchant code cashback on any cards (excluding classic "everything else" cards).

The things that I have in mind:
* Duty free stores
* Drugmart - increasingly becomes rare category due to constant devaluation on premium cards?
* Dental - perhaps, completely unrealistic?!
* Casino - well, I guess nope.jpg, but out of curiosity I would be amazed to know if there's any targeted cashback ever for such lol
* Postal services - I could imagine existence of such, but never seen myself. FedEx/CanadaPost tagretted cashback?
* Staples-home office like - except of Tangerine and more targeted CT I'm not sure if there's any, but would be good to know
* Discount stores - perhaps, only targeted offers by cards of Walmart, Brim, Neo, Tangerine and Costco fit in this? Correct me if I'm wrong about what belongs to this category anyway
* Furniture - probably only Tangerine?

Less interesting due to wide coverage by Travel cards:
* Travel airlines - what merchant codes even considered to be travel and does it include duty free stores?
* Car rentals/hotel bookings - is it all brand-based only or there's any example like "one card that would include all merchant codes" of those categories?

Overall, it would be interesting to have some compendium of such exotic categories for rare shopper.
Meridian Cashback Visa Infinite has a 2% multiplier for pharmacy as well. I modified the thread summary with this info.

Walmart is categorized as either "grocery" if it's Walmart Supercentre on MasterCard or "department stores" on Visa or non-SuperCentre stores. They're not considered the same as something like Dollarama.

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