Keep in mind that the amounts being charged are not based on what you buy but where you buy it. Walmart and Meijer are classified as grocery stores, so everything you spend there would count towards the extra 2%. If look at your annual review statement, you can see how much you spent in the categories to know if you'd come out ahead or not.
Steve (aka brownie)
INTERCOT Staff: Accommodations & Mousellaneous
ASMv 4/00, 10/01, 11/03, 5/21
ASMu 8/12, 11-12/22
AKL 6/18
BC 9/94
CSR 8/14, 3-4/22
POP 11-12/10, 3/12, 10/12, 7/17, 4/22
POFQ 10/01
POR 9/04, 1/16, 11/19
WL 12/03
Disneyland 6/07, 1/15
Disney Dream 8/14
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