Sharing some MCC Codes I've discovered

Data Point Forum
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I’ve been experimenting with different purchases to see how they are categorized with USBANK credit cards I might move some assets for Smartly but haven’t made up my mind yet Anyway, here are some MCC Codes that I’ve found and if you have more, please share.

Just a heads up, these are based on my findings, but your experiences may vary.

Amazon e-gift card / Amazon Reloads: MCC 5942 Book Stores

Amazon Prime Membership: MCC 5968 Direct Marketing-Continuity/Subscription

X / Twitter subscription: MCC 5817 Digital Goods Applications Excludes Games

Youtube TV: I’ve seen this mentioned a lot MCC 7829 Motion Picture / Video Tape Production Also observed as MCC 7841 Video Tape Rental Stores

Youtube Premium (No ads): MCC 4899 Cable Satellite and other Pay Television

Youtube Membership (If you join a channel): MCC 7841 Video Tape Rental Stores

Walmart+ Membership: MCC 5968 Direct Marketing-Continuity/Subscription

Spotify Membership: MCC 4899 Cable Satellite and other Pay Television

Credit Card Funding during account opening (Varies by Bank): MCC 6012 Member Financial Institution-Merch

eBay Purchase (Last 4 times I’ve used it over the last 18 months): MCC 5411 Department Stores

Michael’s Stores: MCC 5970 Artist Supply Stores Craft Shops

Microcenter: MCC 5732 Electronic Sales & Others

Newshosting (Usenet): MCC 4816 Computer Network/INFO SVCS

Paypal Coded for what you’re buying at least in my experience

Target: MCC 5310 Discount Stores

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Quick question but how does this relate to Smartly since it’s a catchall card These should all be at the highest tiers for earning.

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LizCampbell said:
Quick question but how does this relate to Smartly since it’s a catchall card These should all be at the highest tiers for earning.

It doesn’t really relate to Smartly The point is that USBank gives you the MCC codes when you download the CSV file of your transactions.

Any USBank credit card will let you access this Both my Cash+ and my Kroger card do. The person who posted this just has a Smartly card and used that to find the codes, that’s all. I’ve done this with Cash+ to check the Visa codes, and used my Kroger card to confirm if the MasterCard codes are the same or different.

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I was mainly concerned about how US Bank categorizes purchases The Cash+ seems great on paper but I’ve heard people say My ATT phone bill didn’t code as cell or The only place I found coding as fast food was McDonald’s So I appreciate getting more info on this.

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@Farley
That’s an issue with AT&T.

If you pay the phone bill in full, it will register under the Cell Phone category earning If you only make a partial payment, I found it doesn’t always register as Cell Phone but something else I learned that the hard way and haven’t tried again, so I can’t say if that’s still an issue or not.

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@Farley
Cash+ works well for utilities if you own a home I use it for my energy, water, and garbage collection bills.

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Great info I’d recommend submitting this to awardwallet if you can

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What are your thoughts on the US Bank annual fee for the account where you want to transfer assets?

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Target online consistently shows as discount stores But some Targets do show as supermarkets, even when you don’t purchase groceries An interesting find is that Costco pharmacy actually codes as pharmacy and not wholesale.