If you are trying to maximise your card rewards, you would invariably come across this term: Merchant Category Code (MCC).
MCC is a 4-digit code given to merchants accepting credit cards depending on the nature of their business, and it is usually important to use the right card for each MCC to maximise your rewards. Don’t want the trouble? A general spend card is probably more suitable for you.
Here are 3 methods to find the MCC of the transaction you are making.
1a. HeyMax – directory of merchants and MCCs
| Pros | Cons |
|---|---|
| Easy to use, no transaction needed | May not be accurate May not have more niche merchants/transactions Not useful overseas |
HeyMax is a quick and easy way to find out the MCC of a particular merchant. If you don’t already have an account, you need to sign up first:
...
