2 data points
USA
Bank & Card
Date
Giftcard Purchased
Purchase Type
Online Purchase
Reward Details
Amount
Earning Rate
Rewards
400 Membership Rewards Points
USA
Bank & Card
Date
Giftcard Purchased
Purchase Type
App Purchase
Reward Details
Amount
Earning Rate
Rewards
400 Membership Rewards Points
💡 Primary Spending Category: The community most frequently reports using the American Express Business Gold for "Groceries" transactions as well as for "Restaurants".
🚀 Top Earning Rate: Verified community purchases show this card earning up to 4X Membership Rewards points on high-reward category transactions.
🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including CookUnity, Grubhub. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.
Based on verified community transactions, the American Express Business Gold yields the best return when used for "Groceries" transactions, followed closely by "Restaurants".
Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.
Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.
