MCC Exclusions | No Cashback on These Categories
The following Merchant Category Codes (MCCs) are excluded from cashback eligibility.
MCCs (Merchant Category Codes) are four-digit numbers used to classify businesses by the type of goods or services they provide.
These typically represent services like money transfers, utilities, education fees, government services, and charitable organizations.
MCC | Category Description | Explanation |
6012 | Financial Institutions – Merchandise and Services | Includes money orders, wire transfers, and other bank services. |
6050 | Quasi-Cash – Member Financial Institution | Used for loading prepaid cards and similar services. |
6051 | Quasi-Cash – Merchant | Includes crypto purchases, money orders, and other cash equivalents. |
6540 | Stored Value Card Purchase/Load | Includes loading prepaid cards and virtual accounts. |
4829 | Wire Transfer Money Orders (Non-Financial Institutions) | Typically third-party money transfer services. |
6513 | Real Estate Agents and Managers – Rentals | Real estate rental payments and property management services. |
9311 | Tax Payments | Payments to tax authorities. |
9211 | Court Costs | Fines and penalties paid to courts. |
9222 | Fines | Government-imposed fines. |
9223 | Bail and Bond Payments | Payments related to bail or legal bonds. |
7800 | Government-Owned Lotteries | Lottery tickets and state lottery purchases. |
5993 | Cigars, Stores | Tobacco and cigar purchases. |
7349 | Cleaning and Maintenance | Janitorial and industrial cleaning services. |
7523 | Parking Lots, Garages | Parking services. |
9399 | Government Services (Not Elsewhere Classified) | Miscellaneous government-related services. |
9405 | Intra-Government Purchases | Payments between or to government departments. |
8651 | Political Organizations | Donations to political parties or campaigns. |
8661 | Religious Organizations | Donations to churches, temples, mosques, etc. |
8299 | Schools and Educational Services (Other) | Miscellaneous education-related payments. |
8398 | Charitable and Social Service Organizations | Includes donations to charities and NGOs. |
6300 | Insurance Sales, Underwriting, and Premiums | Insurance premium payments. |
5960 | Direct Marketing – Insurance Services | Telemarketed or online insurance services. |
4900 | Utilities | Water, gas, and electricity bill payments. |
5199 | Nondurable Goods (Not Elsewhere Classified) | Wholesalers and other general suppliers. |
9402 | Postal Services – Government Only | Government-run postal services. |
8220 | Colleges, Universities | Higher education tuition or fees. |
8211 | Elementary and Secondary Schools | K-12 tuition or related fees. |
8249 | Trade and Vocational Schools | Payments to trade schools or vocational institutes. |
8244 | Business and Secretarial Schools | Business training and administrative education. |
8241 | Correspondence Schools | Distance learning or online course fees. |
6211 | Security Brokers/Dealers | Brokerage firms, investment services, and security trading. |
6539 | Payment Transactions – Miscellaneous | Miscellaneous payment services including digital wallet and fintech platforms. |
7995 | Gambling Transactions | Includes betting, casinos, online gambling, and lottery websites. |