MCC guide
Which cards earn at which shops
Every shop has a merchant category code (MCC) that decides what your card pays there.
Search a shop or code from our 90 to see which of your cards earn on it, and which banks exclude it, in the bank's own words.
Search a code or merchant type
Common lookups
5541 Service stations (with or without ancillary services)
6513 Real estate agents and rentals - property management
4900 Utilities - electric, gas, water, sanitary
6540 Stored value card purchase / load (wallet load)
4121 Taxis, limousines and ride-hailing
5816 Digital goods - games
8299 Schools and educational services - other
5944 Jewellery, watches, clocks and silverware
Browse every code by category
Fuel 5 codes
5172 Petroleum and petroleum products
5541 Service stations (with or without ancillary services)
5542 Automated fuel dispensers
5552 Electric vehicle charging
5983 Fuel dealers - coal, oil, LPG, wood
Utility bills 3 codes
4900 Utilities - electric, gas, water, sanitary
4899 Cable, satellite and other pay television/radio
4816 Computer network / information services
Mobile / broadband 2 codes
4814 Telecom services - calls, recharge, bill payments
4812 Telecom equipment and phone sales
Insurance 5 codes
6300 Insurance sales, underwriting and premiums
5960 Direct marketing - insurance services
6381 Insurance - premiums (obsolete code, still used)
6399 Insurance - not elsewhere classified
6012 Financial institutions - merchandise and services
Government / tax 8 codes
9311 Tax payments
9399 Government services - not elsewhere classified
9222 Fines
9211 Court costs, alimony, child support
9402 Postal services - government only
9405 Intra-government purchases
9950 Intra-company purchases
9223 Bail and bond payments
Rent 1 code
6513 Real estate agents and rentals - property management
Wallet load 6 codes
6540 Stored value card purchase / load (wallet load)
6541 Stored value card purchase / load - member financial institution
6051 Quasi-cash - foreign currency, money orders, crypto
6211 Securities - brokers and dealers
6010 Manual cash disbursement
6011 Automated cash disbursement (ATM)
Education 7 codes
8211 Elementary and secondary schools
8220 Colleges, universities, professional schools
8241 Correspondence schools
8244 Business and secretarial schools
8249 Vocational and trade schools
8299 Schools and educational services - other
8351 Child care services
Jewellery & watches 2 codes
5944 Jewellery, watches, clocks and silverware
5094 Precious stones, metals, watches and jewellery (wholesale)
Gaming 6 codes
7995 Betting - lottery, casino, track
7994 Video game arcades and establishments
5816 Digital goods - games
7993 Video amusement game supplies
7801 Internet gambling (government-licensed)
7802 Horse/dog racing (government-licensed)
Groceries 5 codes
5411 Grocery stores and supermarkets
5422 Freezer and meat provisioners
5451 Dairy product stores
5462 Bakeries
5499 Convenience and specialty food stores
Dining out 3 codes
5812 Restaurants and eating places
5813 Bars, lounges, discos, nightclubs
5814 Fast food restaurants
Flights 2 codes
4511 Airlines and air carriers (not elsewhere classified)
4722 Travel agencies and tour operators
Hotels 1 code
7011 Hotels, motels, resorts
Train tickets 2 codes
4011 Railroads - freight
4112 Passenger railways
Cabs & transit 5 codes
4111 Local commuter transport, ferries
4121 Taxis, limousines and ride-hailing
4131 Bus lines
4784 Tolls and bridge fees
4789 Transportation services - other
Fashion 4 codes
5311 Department stores
5651 Family clothing stores
5691 Men's and women's clothing stores
5977 Cosmetic stores
Electronics 2 codes
5732 Electronics stores
5734 Computer software stores
Other 8 codes
5999 Miscellaneous and specialty retail
5192 Books, periodicals and newspapers
7230 Beauty and barber shops
8999 Professional services - not elsewhere classified
5013 Motor vehicle supplies and new parts
5511 Car and truck dealers - new and used
5521 Car and truck dealers - used only
5533 Automotive parts and accessories stores
Movies & events 5 codes
7832 Motion picture theaters
7841 Video rental (streaming/OTT often here)
5815 Digital goods - media, books, movies, music
5817 Digital goods - applications (excl. games)
5818 Digital goods - large digital goods merchant
Health & pharmacy 3 codes
5912 Drug stores and pharmacies
8011 Doctors and physicians
8062 Hospitals
Bank MCC list means the bank named this exact code in its own T&C - the strongest signal.
Category rule is derived from our MCC-to-category mapping; the merchant's acquirer decides the
real code on any one transaction, so a specific store can still differ. Every card's own source page
is on its card page.