Understanding Merchant Category Codes for your Tangerine Credit Card

• Drug Stores
• Eating Places
• Entertainment
• Furniture
• Gas
• Grocery
• Home Improvement
• Hotel-Motel
• Public Transportation and Parking
• Recurring Bill Payments
• Fitness and Sports Clubs
• E-Games
• Foreign Currency Spend

Drug Stores:

MCC 5912: Drug Stores, Pharmacies

Merchants that sell prescription and proprietary drugs and nonprescription (over-the-counter) medicines. Drug stores may also sell related products and sundries such as cosmetics, toiletries, tobacco, heating pads, back supports, novelty merchandise, greeting cards, and a limited supply of food items. Operators of soda fountains or lunch counters within drug stores also should use this MCC.

MCC 5122: Drugs, drug proprietors and druggists sundries 

Wholesale distributors of prescription and proprietary drugs, vitamins, toiletries, antiseptics, bandages, pharmaceuticals, biological or related products, and other miscellaneous small articles typically for sale in drug stores.

Eating Places:

MCC 5812: Eating Places, Restaurants

Merchants that prepare food and drinks for immediate consumption, typically on the merchant’s premises and also provide catering services. Such merchants provide table service by a waiter or waitress, and a gratuity may be added to the bill.

MCC 5813: Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns: Drinking Places (Alcoholic Beverages)

Merchants that sell alcoholic beverages such as wine, beer, ale, mixed drinks, and other liquors and beverages for consumption on the premises. Drinking places include bars, beer gardens, microbreweries, pubs, taprooms, cocktail lounges, discotheques, nightclubs, saloons, taverns, comedy clubs, and wine bars.

MCC 5814: Fast Food Restaurants

Merchants that sell prepared food and beverages for immediate consumption either on the premises or packaged for carry-out. Fast food restaurants may or may not operate a drive-up window for ordering and pick-up, and may or may not provide table service by a waiter or waitress. In any case, orders are paid for at the counter or at a drive-up window. Fast food restaurants include cafés, cafeterias, grills, coffee shops, diners, pizza parlors, sandwich bars or shops, deli shops, and snack shops. If table service is provided, a gratuity may be added to the bill. Such merchants generally do not sell alcoholic beverages.

Entertainment :

MCC 7941: Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports Promoters

Merchants that operate and promote semiprofessional and professional athletic clubs (such as baseball, basketball, football, hockey, and soccer), promote amateur and professional athletic events, and manage individual athletes. Sports arenas and stadiums are also included.

MCC 7922: Theatrical Producers (except Motion Pictures), Ticket Agencies

Merchants that operate live theatrical productions, such as road companies and summer theater groups. Services associated with theatrical productions and concerts are also included, such as casting agencies, booking agencies, scenery, lighting, and other equipment services, and theatrical ticket agencies.

MCC 7996: Amusement Parks, Carnivals, Circuses, Fortune Tellers

Merchants that operate amusement parks and carnivals offering mechanical rides, snacks and food stands, games, animal exhibits, and entertainment. Circuses, fortune tellers, astrologers, tarot card readers, and mystics also are included.

MCC 7991: Tourist Attractions and Exhibits

Merchants that operate tourist attractions and exhibits for entertainment, such as expositions, botanical gardens, craft shows, museums, and wineries.

MCC 7929: Bands, Orchestras, and Miscellaneous Entertainers: not elsewhere classified

Merchants that provide entertainment other than theatrical productions, and includes musicians, bands, orchestras, comedians, and magicians. Merchants that specialize in providing music (live bands or disc jockeys [DJs]) for weddings or special events are also included.

MCC 7998: Aquariums, Dolphinariums, Zoos, and Seaquariums

Merchants that operate sea life parks and zoos for the entertainment and education of the general public.

MCC 7832: Motion Picture Theaters

Merchants that operate movie theaters, including drive-in theaters. Such merchants sell tickets and refreshments, and may or may not offer advance ticket reservations via the phone.

MCC 7829: Motion Picture and Video Tape Production and Distribution

Wholesale producers and distributors of educational and industrial films and videos for exhibition and sale, including TV commercials and training films.

Furniture:

MCC 5712: Equipment, Furniture, and Home Furnishings Stores (except Appliances)

Merchants that sell home furnishings, typically offering a wide variety of finished furniture products and accessories. Products for sale may include bedding and mattresses, dining and living room furniture, porch and patio furnishings, baby furnishings, lamps, area rugs, and draperies. Home furnishings stores may also offer a limited selection of electronics such as televisions, stereos, and VCRs.

MCC 5719: Miscellaneous House Furnishing

Merchants that sell miscellaneous home furnishings. Products for sale may include housewares, cutlery, bedding and linen, lamps and shades, mirrors, pictures, pottery, and ceramic items.

MCC 7641: Furniture: Reupholstery and Repair, Refinishing

Merchants that reupholster, repair, and refinish furniture, including restorers of antique furniture.

Gas:

MCC 5541: Service Stations (with or without Ancillary Services)

Merchants that sell fuel for consumer use and may or may not also have a convenience store, car wash, or automotive repair shop on the premises. This MCC includes service station merchants located at a marina that have a separate merchant agreement from that of the marina.

MCC 5542: Fuel Dispenser, Automated

Merchants that sell automotive gasoline using typically unattended Automated Fuel Dispensers, enabling cardholders to purchase fuel by completing the transaction at the pump.

Grocery:

MCC 5411: Grocery Stores, Supermarkets

Merchants that sell a complete line of food merchandise for home consumption. Food products for sale include groceries, meat, produce, dairy products, and canned, frozen, prepackaged, and dry foods. Other products for sale may include a limited selection of housewares, cleaning and polishing products, personal hygiene products, cosmetics, greeting cards, books, magazines, household items, and dry goods. These merchants also may operate specialized departments such as an in-store deli counter, meat counter, pharmacy, or floral department. 

MCC 5462: Bakeries

Merchants that sell bakery goods, and often prepare the goods on the premises. Products for sale may include bagels, bread, cookies, doughnuts, pastries, pies, and wedding cakes.

Home Improvements:

MCC 5251: Hardware Stores

Merchants that sell a full range of hardware supplies for purchase by the general public. Products for sale may include small ticket electrical supplies, wiring, nuts, bolts, nails, screws, hammers, screwdrivers and other small tools, washers, keys, lights bulbs, brackets, and plumbing supplies.

MCC 5200: Home Supply Warehouse Stores

Merchants open to the general public that sell a wide range of home products and supplies, such as wallpaper, paint, lumber, garden supplies, electrical and lighting equipment and supplies, and home decorating items. These merchants also may sell finished products such as sinks, cabinets, and doors as well as do-it-yourself kits.

MCC 5261: Lawn and Garden Supply Stores

Merchants that sell nursery stock, trees, shrubs, potted plants, seeds, bulbs, mulches, soil conditioners, fertilizers, pesticides, garden tools, and other garden supplies.

MCC 5231: Glass, Paint, Wallpaper Stores

Retailers that sell glass, paint and painting supplies, wallpaper and hanging supplies, and other wall covering materials.

MCC 5718: Fireplace, Fireplace Screens and Accessories Stores

Merchants that sell fireplaces, wood stoves, fireplace parts, and accessories such as fireplace tools and screens.

MCC 5713: Floor Covering Stores

Merchants that sell floor coverings such as carpeting, area rugs, floor tile, linoleum, stone, wood, and brick, and may or may not also perform installation services.

MCC 5714: Drapery, Upholstery, and Window Coverings Stores

Merchants that sell draperies, curtains, venetian blinds, window shades, and upholstery materials.

Hotels -Motels:

MCC 7011: Lodging: Hotels, Motels, Resorts: not elsewhere classified 

Only those lodging establishments for which a unique MCC has not been designated, including bed and breakfast and other local inns, resorts, cabins, cottages, and hostels.

Hotels, motels, resorts (MCCs MCC 3500-3828)

Public Transportation and Parking:

MCC 7523: Automobile Parking Lots and Garages

Merchants that provide temporary parking services for automobiles, usually on an hourly, daily or monthly contract or fee basis.

MCC 4111: Transportation: Suburban and Local Commuter Passenger, including Ferries

Providers of local and suburban mass passenger transportation over regular routes and on regular schedules, including railway commuter transportation.

MCC 4121: Limousines and Taxicabs

Passenger automobile transportation services that do not operate on a regular schedule or an established route.

MCC 4784: Bridge and Road Fees, Tolls

Merchants that collect fees associated with toll roads, highways, and bridges.

Recurring Bill Payment:

Recurring bill payments are defined as payments made on a monthly or other regular basis, and which are automatically billed by the merchant to your Tangerine Credit Card, such as your monthly phone bill. Not all merchants offer recurring payments, and not all ongoing payments will be considered “recurring payments” for purposes of this category. Please check with your merchant to see if your recurring payment qualifies.

Fitness and Sports Clubs:

MCC 7997: Clubs: Country Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses

Merchants that operate sports and recreation facilities requiring membership. Examples of such facilities include exercise, athletic, and health clubs, country clubs, private golf courses, boating yacht clubs, swimming clubs, tennis clubs, bowling leagues, riding clubs, shooting and gun clubs, and racquetball clubs. Such merchants may or may not provide massage services and spa services such as facials, weight control counseling, aromatherapy, steam baths, and whirlpools.

MCC 7032: Recreational and Sporting Camps

Merchants that operate children’s camps, recreational camps, and sporting camps. Examples of such camps include summer camps for boys and girls, nudist camps, dude ranches, fishing and hunting camps, and educational or sports instruction camps.

E-Games:

MCC 5816: Digital Goods: Games

Merchants that develop video or electronic games for play on smartphones, feature phones, personal computers, tablets, consoles, or other devices with networking capability. Such games may provide platforms to make “in-application” purchases of electronic or virtual items for use during play, including but not limited to game pieces, tokens, points, or other forms of game-specific value.

Foreign Currency Spend:

Foreign currency Net Purchases (also referred to as “Foreign Currency Spend”) –for Net Purchases that are charged to your Account in a foreign currency. The Money-Back Rewards in this category are calculated on the Canadian dollar amount of the Net Purchases after such amount has been converted and posted to your Tangerine Credit Card in Canadian dollars.