What is an MCC?
MCC stands for Merchant Category Code. It is a four-digit number assigned to a merchant by credit card issuers (like Visa) to classify the type of goods or services the merchant provides. For your Fold card, Visa uses these codes to determine your purchase category and award bonus cash back or points.
Which MCC's do not earn rewards on the Fold cards?
- 4829: Money Transfer / Remittance
- 5966: Telemarketing & Negative-Option Subscriptions
- 5967: Telemarketing & Negative-Option Subscriptions
- 5968: Telemarketing & Negative-Option Subscriptions
- 5993: Tobacco
- 6010: Cash Disbursements (OTC)
- 6011: Cash Disbursements (ATM)
- 6211: Securities Brokers / Dealers
- 6051: Non-FI Foreign Currency, Crypto, Money Orders
- 6540: Stored Value Purchase / Load (loading 3rd party gift cards)
- 7273: Dating / Escort
- 7801: Gambling & Betting
- 7802: Gambling & Betting
- 7995: Gambling & Betting
Please note: Fold is not able to change the MCC assigned to a merchant/transaction.
Related article: Are there types of merchants where I cannot spend with my Fold Debit Card?
If you still have questions, or need further assistance, please call 1-866-FOLDAPP
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