if it goes through a Wal-Mart register (which the money orders they sell do) then it can be bought with a credit card as far as I know.

the determination is made by the "merchant code" I believe it's called attached to the transaction. the question then being, does a super Wal-Mart have a different merchant code than a regular Wal-Mart. that is the only way the rewards program can detect any difference. if all the transactions come through on the same merchant code and that merchant code is in the "discount store" family, then no dice.


and for what it's worth, Sam's, Costco, BJ's and the like are generally referred to, in the retail industry that is, as "warehouse clubs." Discount stores are Targets and Wal-Marts.


Their agreement reads as follows:

"Supermarkets are defined as stand-alone merchants that primarily sell a complete line of food merchandise for home consumption."


to the letter that would rule out super Wal-Marts and Targets, but again, I believe in the end it all comes down to the merchant code attached to the transaction.


there is also the fact to consider that the 5% cash back is unlimited when the card is used at a Citi Dividend Merchant Network retailer but I can't seem to find a list of who exactly that might be.