Merchant Category Codes (MCC) Directory
Find the MCC code of any store, brand or merchant to see which rewards category applies and avoid quasi-cash surprises.
Grocery Stores, Supermarkets
Merchant Code: 5411The most common household spending category. Frequently featured in banking cash-back programs at 3-5%.
Meat Provisioners, Freezer and Locker Meat Provisioners
Merchant Code: 5422Usually classified under Groceries in credit card reward programs.
Candy, Nut, and Confectionery Stores
Merchant Code: 5441Commonly counted towards grocery rewards.
Bakeries
Merchant Code: 5462May trigger either bakery/cafe or grocery reward multipliers.
Miscellaneous Food Stores โ Specialty, Convenience, and Markets
Merchant Code: 5499General grocery and convenience store category.
Fast Food Restaurants
Merchant Code: 5814High-demand fast food category; frequently eligible for 3-5% reward boosts.
Eating Places and Restaurants
Merchant Code: 5812Traditional sit-down dining venues and cafes.
Bars, Cocktail Lounges, Discotheques, and Nightclubs
Merchant Code: 5813Included under dining and nightlife bonus categories.
Service Stations (with or without ancillary services)
Merchant Code: 5541Primary service station MCC. Commonly awards top-tier fuel cashback.
Automated Fuel Dispensers
Merchant Code: 5542Unattended fuel pumps and mobile fueling app payments.
General Automotive Repair Shops
Merchant Code: 7538Counted under automotive repair and maintenance.
Car Washes
Merchant Code: 7542Included under auto maintenance rewards.
Taxicabs and Limousines, Ridesharing
Merchant Code: 4121Top rideshare code. Typically qualifies for 3-5% travel/transit rewards.
Transportation โ Suburban and Local Commuter Passenger
Merchant Code: 4111Standard local transit and public transportation code.
Bus Lines
Merchant Code: 4131Regional intercity bus travel.
Drug Stores and Pharmacies
Merchant Code: 5912Standard pharmacy code. Highly popular for 3-5% rotating cashback.
Doctors โ not elsewhere classified
Merchant Code: 8011Classified under medical care and healthcare services.
Dentists and Orthodontists
Merchant Code: 8021Dental and oral health care.
Electronic Sales
Merchant Code: 5732Electronics and gadgets. Popular for tech hardware cash-back promotions.
Wholesale Clubs
Merchant Code: 5300Large scale merchandise clubs and retail marketplaces.
Department Stores
Merchant Code: 5311Department stores and major online e-commerce outlets.
Airlines and Air Carriers
Merchant Code: 4511Airfare purchases. Primary source for airline miles and travel reward cards.
Lodging โ Hotels, Motels, Resorts
Merchant Code: 7011Hotel and lodging accommodations.
Motion Picture Theatres
Merchant Code: 7832Cinema and movie theatre tickets.
Pet Shops, Pet Food, and Supplies
Merchant Code: 5995Pet supplies and food specialty retailers.
Lumber and Building Materials Stores
Merchant Code: 5211Home improvement and construction materials.
Furniture, Home Furnishings, and Equipment Stores
Merchant Code: 5712Home decor, furniture, and furnishings.
Money Orders, Wire Transfer
Merchant Code: 4829โ ๏ธ Quasi-cash wire transfer. Excluded from rewards; frequently incurs cash advance fees and high APR.
Financial Institutions โ Merchandise and Services
Merchant Code: 6012Financial service fee. Almost universally excluded from cash-back.
Quasi-Cash โ Foreign Currency, Liquid Assets, Gaming
Merchant Code: 6051Quasi-cash equivalent to cash withdrawal. No reward points awarded.
Mastercard MoneySend Funding
Merchant Code: 6538Excluded funding transaction.
No MCC Code Found
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MCC Codes FAQ
How can I find a merchant MCC before purchasing? โผ
1) Use our search database above; 2) Attempt a small payment with an empty balance card (the bank statement or notification often shows the attempted MCC); 3) Ask the merchant or card processor.
Who assigns MCC codes to stores? โผ
The acquiring bank assigns the MCC when the merchant signs an acquiring contract based on the primary line of business.