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skills/find-best-cashback/data/merchants.json
25 KB · Oct 2, 2026 · 00:29 UTC
{
"schema_version": 1,
"as_of": "2026-05",
"provenance": "Model-knowledge snapshot of common merchant-category behaviour. Merchant category codes are set by the merchant's acquirer, not the card issuer, and can differ by location, franchise and payment channel. Treat every entry as a strong prior to verify, never as a guarantee.",
"category_vocabulary": [
"gas",
"ev_charging",
"convenience_store",
"grocery",
"superstore",
"warehouse_club",
"dining",
"fast_food",
"delivery",
"online_retail",
"department_store",
"drugstore",
"home_improvement",
"electronics",
"streaming",
"transit",
"rideshare",
"travel",
"airline",
"hotel",
"entertainment",
"apparel",
"telecom",
"utility",
"insurance",
"rent",
"wallet_load",
"government",
"education",
"jewellery",
"fuel_india"
],
"merchants": {
"shell": {
"display_name": "Shell",
"countries": [
"US",
"GB",
"IN",
"CA"
],
"aliases": [
"shell gas",
"shell petrol",
"shell station",
"shell oil"
],
"default_channel": "pump",
"variants": {
"pump": {
"categories": [
"gas"
],
"mcc": [
"5541",
"5542"
],
"confidence": "high",
"caveats": [
"Pay-at-pump fuel almost always codes as a service station (5542)."
]
},
"convenience_store": {
"categories": [
"gas",
"convenience_store"
],
"mcc": [
"5541",
"5499"
],
"confidence": "medium",
"caveats": [
"Merchandise bought inside the kiosk normally still codes to the station's own MCC, but franchise locations with a separate co-branded store (Shell Select, Circle K) can code 5499 and miss a gas bonus."
]
},
"car_wash": {
"categories": [
"gas"
],
"mcc": [
"7542",
"5542"
],
"confidence": "low",
"caveats": [
"A standalone car wash can code 7542 and fall outside every gas category."
]
},
"online": {
"categories": [
"gas"
],
"mcc": [
"5542"
],
"confidence": "low",
"caveats": [
"Shell app / Shell Fuel Rewards payments route through a processor that may code differently from the pump."
]
}
},
"caveats": [
"Gift-card purchases at a fuel counter are excluded from bonus categories by most issuers."
]
},
"bp": {
"display_name": "BP",
"countries": [
"US",
"GB"
],
"aliases": [
"bp gas",
"bp petrol",
"amoco"
],
"default_channel": "pump",
"variants": {
"pump": {
"categories": [
"gas"
],
"mcc": [
"5541",
"5542"
],
"confidence": "high"
},
"convenience_store": {
"categories": [
"gas",
"convenience_store"
],
"mcc": [
"5541",
"5499"
],
"confidence": "medium"
}
}
},
"exxon": {
"display_name": "Exxon / Mobil",
"countries": [
"US"
],
"aliases": [
"exxonmobil",
"mobil",
"esso"
],
"default_channel": "pump",
"variants": {
"pump": {
"categories": [
"gas"
],
"mcc": [
"5541",
"5542"
],
"confidence": "high"
},
"convenience_store": {
"categories": [
"gas",
"convenience_store"
],
"mcc": [
"5541",
"5499"
],
"confidence": "medium"
}
}
},
"chevron": {
"display_name": "Chevron / Texaco",
"countries": [
"US"
],
"aliases": [
"texaco"
],
"default_channel": "pump",
"variants": {
"pump": {
"categories": [
"gas"
],
"mcc": [
"5541",
"5542"
],
"confidence": "high"
}
}
},
"costco-gas": {
"display_name": "Costco Gas Station",
"countries": [
"US",
"CA",
"GB"
],
"aliases": [
"costco fuel",
"costco petrol"
],
"default_channel": "pump",
"variants": {
"pump": {
"categories": [
"gas"
],
"mcc": [
"5542"
],
"confidence": "high",
"caveats": [
"Costco fuel codes as gas even though the warehouse itself does not."
]
}
},
"caveats": [
"Costco US accepts Visa only; Costco UK accepts Visa and Mastercard but not Amex."
]
},
"walmart": {
"display_name": "Walmart",
"countries": [
"US",
"CA"
],
"aliases": [
"wal-mart",
"walmart supercenter",
"walmart.com"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"superstore"
],
"mcc": [
"5310",
"5311",
"5411"
],
"confidence": "high",
"caveats": [
"Walmart Supercenters code as a discount store / superstore, which almost every US grocery bonus category explicitly excludes."
]
},
"online": {
"categories": [
"superstore",
"online_retail"
],
"mcc": [
"5310"
],
"confidence": "medium",
"caveats": [
"Walmart.com may qualify for an 'online retail' or 'online grocery' category even when the physical store does not."
]
},
"neighborhood_market": {
"merchant_id": "walmart-neighborhood-market",
"display_name": "Walmart Neighborhood Market",
"categories": [
"grocery"
],
"mcc": [
"5411"
],
"confidence": "medium",
"caveats": [
"Walmart Neighborhood Market is a standalone grocery format that often codes 5411 and can escape the superstore exclusion that blocks the Supercenter. Confirm the store format before relying on this."
]
},
"gas": {
"merchant_id": "walmart-gas",
"display_name": "Walmart fuel station",
"categories": [
"gas"
],
"mcc": [
"5541"
],
"confidence": "medium"
}
}
},
"target": {
"display_name": "Target",
"countries": [
"US"
],
"aliases": [
"target.com",
"supertarget"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"superstore",
"department_store"
],
"mcc": [
"5310",
"5311"
],
"confidence": "high",
"caveats": [
"Target codes as a discount store, not a supermarket, so grocery bonus categories generally do not apply even when buying food."
]
},
"online": {
"categories": [
"superstore",
"online_retail"
],
"mcc": [
"5310"
],
"confidence": "medium"
}
},
"caveats": [
"Some cards carve out Target and Walmart by name rather than by category; check the exclusion list, not just the MCC."
]
},
"costco": {
"display_name": "Costco Wholesale",
"countries": [
"US",
"CA",
"GB"
],
"aliases": [
"costco warehouse",
"costco.com"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"warehouse_club"
],
"mcc": [
"5300"
],
"confidence": "high",
"caveats": [
"Wholesale clubs are excluded from nearly every grocery bonus category."
]
},
"online": {
"categories": [
"warehouse_club",
"online_retail"
],
"mcc": [
"5300"
],
"confidence": "medium"
}
},
"caveats": [
"Costco US accepts Visa only in warehouse."
]
},
"sams-club": {
"display_name": "Sam's Club",
"countries": [
"US"
],
"aliases": [
"sams",
"sam's club"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"warehouse_club"
],
"mcc": [
"5300"
],
"confidence": "high"
}
}
},
"amazon": {
"display_name": "Amazon",
"countries": [
"US",
"GB",
"IN",
"CA"
],
"aliases": [
"amazon.com",
"amazon.co.uk",
"amazon.in",
"amzn"
],
"default_channel": "online",
"variants": {
"online": {
"categories": [
"online_retail"
],
"mcc": [
"5942",
"5999"
],
"confidence": "high",
"caveats": [
"Amazon third-party sellers and separate Amazon businesses (Fresh, Prime Video, AWS, gift cards) can bill under different descriptors and categories."
]
}
}
},
"whole-foods": {
"display_name": "Whole Foods Market",
"countries": [
"US",
"GB"
],
"aliases": [
"wholefoods",
"wfm"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"grocery"
],
"mcc": [
"5411"
],
"confidence": "high"
}
}
},
"kroger": {
"display_name": "Kroger",
"countries": [
"US"
],
"aliases": [
"ralphs",
"fred meyer",
"king soopers",
"harris teeter"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"grocery"
],
"mcc": [
"5411"
],
"confidence": "high"
},
"gas": {
"categories": [
"gas"
],
"mcc": [
"5541"
],
"confidence": "medium"
}
}
},
"safeway": {
"display_name": "Safeway / Albertsons",
"countries": [
"US"
],
"aliases": [
"albertsons",
"vons",
"jewel-osco"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"grocery"
],
"mcc": [
"5411"
],
"confidence": "high"
}
}
},
"trader-joes": {
"display_name": "Trader Joe's",
"countries": [
"US"
],
"aliases": [
"trader joes"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"grocery"
],
"mcc": [
"5411"
],
"confidence": "high"
}
}
},
"cvs": {
"display_name": "CVS Pharmacy",
"countries": [
"US"
],
"aliases": [
"cvs pharmacy"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"drugstore"
],
"mcc": [
"5912"
],
"confidence": "high"
}
}
},
"walgreens": {
"display_name": "Walgreens",
"countries": [
"US"
],
"aliases": [
"duane reade"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"drugstore"
],
"mcc": [
"5912"
],
"confidence": "high"
}
}
},
"home-depot": {
"display_name": "The Home Depot",
"countries": [
"US",
"CA"
],
"aliases": [
"homedepot"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"home_improvement"
],
"mcc": [
"5200"
],
"confidence": "high"
}
}
},
"lowes": {
"display_name": "Lowe's",
"countries": [
"US"
],
"aliases": [
"lowe's"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"home_improvement"
],
"mcc": [
"5200"
],
"confidence": "high"
}
}
},
"starbucks": {
"display_name": "Starbucks",
"countries": [
"US",
"GB",
"IN"
],
"aliases": [],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"dining",
"fast_food"
],
"mcc": [
"5814"
],
"confidence": "high"
},
"app": {
"categories": [
"dining"
],
"mcc": [
"5814"
],
"confidence": "low",
"caveats": [
"Reloading a Starbucks Card in the app can code as a gift-card / stored-value purchase and be excluded."
]
}
}
},
"mcdonalds": {
"display_name": "McDonald's",
"countries": [
"US",
"GB",
"IN"
],
"aliases": [
"mcdonald's",
"mcd"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"dining",
"fast_food"
],
"mcc": [
"5814"
],
"confidence": "high"
}
}
},
"doordash": {
"display_name": "DoorDash",
"countries": [
"US"
],
"aliases": [],
"default_channel": "delivery",
"variants": {
"delivery": {
"categories": [
"delivery",
"dining"
],
"mcc": [
"5812",
"5814"
],
"confidence": "medium",
"caveats": [
"DoorDash usually codes as restaurant, but DashMart and grocery orders can code differently."
]
}
}
},
"uber": {
"display_name": "Uber",
"countries": [
"US",
"GB",
"IN"
],
"aliases": [
"uber ride"
],
"default_channel": "rideshare",
"variants": {
"rideshare": {
"categories": [
"rideshare",
"transit",
"travel"
],
"mcc": [
"4121"
],
"confidence": "high"
},
"delivery": {
"categories": [
"delivery",
"dining"
],
"mcc": [
"5812"
],
"confidence": "medium"
}
}
},
"netflix": {
"display_name": "Netflix",
"countries": [
"US",
"GB",
"IN"
],
"aliases": [],
"default_channel": "online",
"variants": {
"online": {
"categories": [
"streaming",
"entertainment"
],
"mcc": [
"4899",
"7841"
],
"confidence": "high"
}
}
},
"spotify": {
"display_name": "Spotify",
"countries": [
"US",
"GB",
"IN"
],
"aliases": [],
"default_channel": "online",
"variants": {
"online": {
"categories": [
"streaming"
],
"mcc": [
"5815",
"4899"
],
"confidence": "high"
}
}
},
"best-buy": {
"display_name": "Best Buy",
"countries": [
"US"
],
"aliases": [
"bestbuy"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"electronics"
],
"mcc": [
"5732"
],
"confidence": "high"
}
}
},
"indian-oil": {
"display_name": "Indian Oil",
"countries": [
"IN"
],
"aliases": [
"iocl",
"indianoil"
],
"default_channel": "pump",
"variants": {
"pump": {
"categories": [
"fuel_india",
"gas"
],
"mcc": [
"5541",
"5542"
],
"confidence": "high",
"caveats": [
"Most Indian issuers award zero reward points on fuel and instead offer a 1% fuel surcharge waiver within a per-cycle cap."
]
}
}
},
"hpcl": {
"display_name": "HP / Hindustan Petroleum",
"countries": [
"IN"
],
"aliases": [
"hp petrol",
"hindustan petroleum"
],
"default_channel": "pump",
"variants": {
"pump": {
"categories": [
"fuel_india",
"gas"
],
"mcc": [
"5541",
"5542"
],
"confidence": "high"
}
}
},
"bharat-petroleum": {
"display_name": "Bharat Petroleum",
"countries": [
"IN"
],
"aliases": [
"bpcl",
"bharat petrol"
],
"default_channel": "pump",
"variants": {
"pump": {
"categories": [
"fuel_india",
"gas"
],
"mcc": [
"5541",
"5542"
],
"confidence": "high"
}
}
},
"bigbasket": {
"display_name": "BigBasket",
"countries": [
"IN"
],
"aliases": [
"big basket",
"bbnow"
],
"default_channel": "online",
"variants": {
"online": {
"categories": [
"grocery",
"online_retail"
],
"mcc": [
"5411"
],
"confidence": "medium"
}
}
},
"blinkit": {
"display_name": "Blinkit",
"countries": [
"IN"
],
"aliases": [
"grofers"
],
"default_channel": "online",
"variants": {
"online": {
"categories": [
"grocery",
"delivery"
],
"mcc": [
"5411",
"5499"
],
"confidence": "medium"
}
}
},
"zomato": {
"display_name": "Zomato",
"countries": [
"IN"
],
"aliases": [],
"default_channel": "delivery",
"variants": {
"delivery": {
"categories": [
"delivery",
"dining"
],
"mcc": [
"5812",
"5814"
],
"confidence": "medium"
}
}
},
"swiggy": {
"display_name": "Swiggy",
"countries": [
"IN"
],
"aliases": [],
"default_channel": "delivery",
"variants": {
"delivery": {
"categories": [
"delivery",
"dining"
],
"mcc": [
"5812",
"5814"
],
"confidence": "medium"
},
"instamart": {
"categories": [
"grocery",
"delivery"
],
"mcc": [
"5411"
],
"confidence": "low"
}
}
},
"flipkart": {
"display_name": "Flipkart",
"countries": [
"IN"
],
"aliases": [],
"default_channel": "online",
"variants": {
"online": {
"categories": [
"online_retail"
],
"mcc": [
"5399",
"5999"
],
"confidence": "high"
}
}
},
"dmart": {
"display_name": "DMart",
"countries": [
"IN"
],
"aliases": [
"avenue supermarts",
"d-mart"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"grocery",
"superstore"
],
"mcc": [
"5411"
],
"confidence": "medium"
}
}
},
"myntra": {
"display_name": "Myntra",
"countries": [
"IN"
],
"aliases": [],
"default_channel": "online",
"variants": {
"online": {
"categories": [
"apparel",
"online_retail"
],
"mcc": [
"5651"
],
"confidence": "medium"
}
}
},
"irctc": {
"display_name": "IRCTC",
"countries": [
"IN"
],
"aliases": [
"indian railways"
],
"default_channel": "online",
"variants": {
"online": {
"categories": [
"travel",
"transit"
],
"mcc": [
"4112"
],
"confidence": "medium"
}
}
},
"tesco": {
"display_name": "Tesco",
"countries": [
"GB"
],
"aliases": [
"tesco express",
"tesco extra"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"grocery"
],
"mcc": [
"5411"
],
"confidence": "high"
},
"gas": {
"categories": [
"gas"
],
"mcc": [
"5541"
],
"confidence": "medium"
}
}
},
"sainsburys": {
"display_name": "Sainsbury's",
"countries": [
"GB"
],
"aliases": [
"sainsbury's",
"sainsburys local"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"grocery"
],
"mcc": [
"5411"
],
"confidence": "high"
}
}
},
"asda": {
"display_name": "Asda",
"countries": [
"GB"
],
"aliases": [],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"grocery",
"superstore"
],
"mcc": [
"5411"
],
"confidence": "medium"
}
}
},
"waitrose": {
"display_name": "Waitrose",
"countries": [
"GB"
],
"aliases": [
"john lewis"
],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"grocery"
],
"mcc": [
"5411"
],
"confidence": "high"
}
}
},
"boots": {
"display_name": "Boots",
"countries": [
"GB"
],
"aliases": [],
"default_channel": "in_store",
"variants": {
"in_store": {
"categories": [
"drugstore"
],
"mcc": [
"5912"
],
"confidence": "high"
}
}
}
}
}
SHA-256: 651c734738741c7c9e0515686b2d5b5b869d807a3cf0850ef2760f6cc1c3335a