US credit card rewards by merchant, MCC, and wallet
MCC Lookup — Free Merchant Category Code Checker
Search a merchant, merchant category, or four-digit MCC to see how the purchase is classified and which US credit-card rewards may apply. Add your wallet to see which of your cards should win first.
MCC code lookup — how this checker works
Search a merchant name against the CheckMCC directory to see its reported code, or enter a four-digit code to see its category and listed card rules. For example, MCC 5411 is Grocery Stores, Supermarkets and MCC 5812 is Eating Places, Restaurants. Issuers use the posted code—not just the store name—to decide which bonus category may apply. Browse the full MCC code list.
How to look up an MCC code (3 ways)
- Search the merchant name above, such as Amazon, Kroger, or Costco, to see the code it typically uses.
- Enter a 4-digit code such as 5411 to see its meaning and which cards reward it.
- Cross-check the network references for Visa MCC codes and Mastercard MCC codes.
Need the process explained step by step? Read How to find your merchant category code.
What an MCC checker can and can’t tell you
- It shows a merchant’s reported MCC, category meaning, and the US card reward rules available for that code.
- It cannot guarantee the code on a particular transaction. Wallets, marketplaces, and delivery services may process a payment under a different MCC.
- Check the posted transaction and your issuer’s terms before relying on a bonus category.
What an MCC lookup is used for
- Choose the right card before paying by checking whether the purchase is likely to earn 3x or 1x.
- Debug a missing bonus when a wallet, marketplace, or delivery app posts under its intermediary MCC rather than the store's usual code.
- Check how catch-all codes such as MCC 7299 are treated before a large purchase.
MCC lookup FAQ
What is an MCC code lookup?
Use the search box above; it works both directions: merchant to code and code to meaning.
mcc checker
It is the same tool. Enter a merchant or code to check its category and card rewards.
visa mcc lookup
Cross-network references are summarized on the Visa MCC codes and Mastercard MCC codes pages.
merchant mcc code lookup
Every MCC page, including MCC 5411, shows the category meaning and ranked cards for that code.
What is my MCC code?
A person does not have an MCC; a merchant does. Look up the merchant above or read how to find your merchant category code.
Is there an MCC checker for credit cards?
Yes. Search a merchant, then review the code page to see which listed US cards have a matching reward rule. Confirm the terms with your issuer.
Everyday spend: groceries, gas & drugstores
See all essentials →The spending most Americans redeem rewards for. Find the card that earns the most on what you can't cut.
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Tools for your rewards
How it works
1. Search
Look up a merchant, category, or MCC code.
2. Compare
See cash back, points, miles, caps, and caveats.
3. Pick your wallet winner
Prioritize the best card from the cards you already own.
Popular MCC codes and meanings
Open a code page to see its category meaning and the current card reward rules.
- MCC 5411 — Grocery Stores, Supermarkets
- MCC 5812 — Eating Places, Restaurants
- MCC 5814 — Fast Food Restaurants
- MCC 5999 — Miscellaneous and Specialty Retail Stores
- MCC 7299 — Miscellaneous Personal Services (Not Elsewhere Classified)
- MCC 5732 — Electronics Stores
- MCC 4121 — Taxicabs and Limousines
- MCC 5311 — Department Stores
- MCC 5300 — Wholesale Clubs
- MCC 5499 — Miscellaneous Food Stores
- MCC 5541 — Service Stations (with gas)
- MCC 5542 — Automated Fuel Dispensers
- MCC 4111 — Local/Suburban Commuter Passenger Transportation
- MCC 4511 — Airlines, Air Carriers (not elsewhere classified)
- MCC 4722 — Travel Agencies and Tour Operators
- MCC 7011 — Lodging - Hotels, Motels, and Resorts
- MCC 4899 — Cable and Other Pay Television Services
- MCC 5968 — Direct Marketing - Continuity/Subscription Merchant
- MCC 7399 — Business Services (Not Elsewhere Classified)
- MCC 5811 — Caterers
- MCC 5813 — Drinking Places (Alcoholic Beverages)
- MCC 5422 — Freezer and Locker Meat Provisioners
- MCC 5441 — Candy, Nut, and Confectionery Stores
- MCC 5451 — Dairy Products Stores
- MCC 5462 — Bakeries
- MCC 5172 — Petroleum and Petroleum Products
- MCC 5983 — Fuel Dealers (Non Automotive)
- MCC 5912 — Drug Stores and Pharmacies
- MCC 5122 — Drugs, Drug Proprietaries, and Druggist Sundries
- MCC 7996 — Amusement Parks, Circuses, Carnivals, and Fortune Tellers
- MCC 7997 — Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses
- MCC 7998 — Aquariums, Seaquariums, Dolphinariums, and Zoos
- MCC 7999 — Recreation Services (Not Elsewhere Classified)
- MCC 7991 — Tourist Attractions and Exhibits
- MCC 7995 — Betting, Casino Gaming Chips, Off-Track Betting, and Wagers
- MCC 4829 — Wire Transfers and Money Orders
- MCC 4812 — Telecommunication Equipment and Telephone Sales
- MCC 4814 — Telecommunication Services
- MCC 6011 — Financial Institutions - Automated Cash Disbursements
- MCC 6012 — Financial Institutions - Merchandise and Services
- MCC 5734 — Computer Software Stores
- MCC 5735 — Record Stores
- MCC 5942 — Book Stores
- MCC 5944 — Jewelry Stores, Watches, Clocks, and Silverware Stores
- MCC 5945 — Hobby, Toy, and Game Shops
- MCC 5947 — Gift, Card, Novelty, and Souvenir Shops
- MCC 5948 — Luggage and Leather Goods Stores
- MCC 5949 — Sewing, Needlework, Fabric, and Piece Goods Stores
- MCC 5993 — Cigar Stores and Stands
- MCC 5994 — News Dealers and Newsstands
US merchant MCC pages
Merchant examples come from records marked US in the CheckMCC database. Payment channels may post different codes.