Miscellaneous Personal Services not Elsewhere Classified
Check which credit cards earn the most rewards on miscellaneous personal services not elsewhere classified purchases.
MCC 7299 means Miscellaneous Personal Services, Not Elsewhere Classified. It is used when a personal-service merchant does not fit a more specific Merchant Category Code, so the code describes a broad category rather than one particular type of business.
Do not assume a customer-facing service description determines the MCC. Processing context matters, especially for marketplaces, wallets, booking platforms and other intermediaries.
2% cashback — All purchases (1% when buying + 1% when paying)
1% cashback — Other purchases
1% cashback — Other purchases
1x points — Other purchases
1x points — Other purchases
1x points — Other purchases
1x points — Other purchases
5% cashback — Chase Travel portal
purchase channel not provided
5x points — Chase Travel portal
purchase channel not provided
5x miles — Capital One Entertainment
purchase channel not provided
The catch-all for miscellaneous personal services not covered elsewhere. Photo studios, shoe repair, dating services and similar consumer services may appear here, but a marketplace, wallet or booking intermediary can post under its own code instead. Catch-all codes like 7299 and 8999 (Professional Services) rarely appear in card bonus categories, so flat-rate cards usually win on this code — check the rankings above.
It is the four-digit code card networks assign to miscellaneous personal services not elsewhere classified transactions. Issuers read this code to apply bonus rewards.
See the ranking above — it shows each card’s rate on this code and whether the bonus is verified.
The transaction posts under the MCC the acquirer registered, which can differ from what you expect (marketplaces, wallets and booking intermediaries often re-code). Verify the code before large purchases.