Etsy ↗ Credit Card Rewards
Maximize your rewards with the best credit cards for Etsy
MCC Code
5699
Miscellaneous Apparel and Accessory Shops
Eligible Cards
10
Cards earn rewards
Top Rate
3% cashback
Up to $6000/year
Quick Answer
The best credit card for Etsy is American Express Blue Cash Everyday, earning 3% cashback
With up to $6000/year, this card is ideal for online spending at Etsy. Alternative options include Citi Citi Double Cash.
Best Credit Cards for Etsy
American Express Blue Cash Everyday
U.S. online retail
3% cashback
Up to $6000/year
Citi Citi Double Cash
All purchases (1% when buying + 1% when paying)
Capital One Capital One Venture X
All other purchases
Capital One Capital One Savor
Other purchases
Chase Chase Freedom Flex
Other purchases
U.S. Bank U.S. Bank Altitude Go
Other purchases
Chase Chase Sapphire Preferred
Other purchases
American Express Amex Gold
Other purchases
Chase Chase Sapphire Reserve
Other purchases
American Express Amex Platinum
Other purchases
Reward Calculator
Estimated Monthly Rewards
Frequently Asked Questions
What is the MCC code for Etsy?
Etsy uses MCC code 5699, which stands for “Miscellaneous Apparel and Accessory Shops”. This code determines which credit cards earn rewards at this merchant. Banks use MCC codes to categorize transactions and apply bonus rewards accordingly.
What credit cards work at Etsy?
The best credit cards for Etsy include:
- American Express Blue Cash Everyday- 3% cashback (up to $6000/year)
- Citi Citi Double Cash- ()
- Capital One Capital One Venture X- ()
Is Etsy classified as online or offline spending?
Etsy is classified as online spending. This affects card eligibility - some cards only earn rewards on online transactions. For example, some cards only bonus online purchases, while others only bonus in-person purchases or portal bookings. Always check the merchant's MCC and any issuer caveats before assuming the bonus will post.
How can I maximize rewards at Etsy?
To maximize rewards at Etsy:
- Use American Express Blue Cash Everyday for 3% cashback on all transactions
- Be mindful of the monthly cap: up to $6000/year
- Consider pairing with Citi Citi Double Cash for additional categories
- Track your spending to stay within bonus category limits