No need to apologize.

What counts as "retail" is the most ambiguous of their offers. For retail, a lot of stores that everyone would call retail, don't count. Target? Nope. Best Buy? Nope. Any grocery store? Nope. To make matters worse, some are different depending on if they're in-store vs online like Target and Walmart. In-store, nope, but online, yes.

All of the other others, what you expect to count does, just with some bonus stores. Home Depot and Lowe's count at home improvement. Kroger and Aldi count as grocery.