While the MCC doesn’t matter for the basic function of your credit card, it is a critical part of how many credit cards classify rewards and cash back based on spending in different categories. For example, if you swipe your credit card at a grocery store, each issuer assigns that store a 4-digit code that designates “grocery store” purchases. We’re talking about the merchant category code (MCC), which determines what rewards you can get on your rewards or cash back card.Įvery business that accepts credit cards from major networks (Mastercard, Visa, American Express, Discover), is given an MCC to help the issuers organize and track purchases. If you use a credit card that offers cashback or other rewards based on your spending, there’s an invisible four-digit code you should probably know about. For more information, see How We Make Money. Some links on this page - clearly marked - may take you to a partner website and may result in us earning a referral commission. We want to help you make more informed decisions.
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