MCC Code
5521
Category
Motor Vehicle Supplies and New Parts
Reward Category
Automotive
Confirmed by
PreSwipe team
Used car dealer; large purchases typically code as 5521 or dealer MCC; most card issuers exclude vehicle purchases from rewards or cap them
Best cards for CarMax
Citi Double Cash
2% back on all purchases
2% back
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Search PreSwipe →Frequently asked questions
What MCC code does CarMax use?
CarMax uses MCC 5521 — Motor Vehicle Supplies and New Parts. This is the four-digit Merchant Category Code assigned to CarMax by card networks and determines how your purchase is categorized for rewards.
Does CarMax count as motor vehicle supplies and new parts for credit card rewards?
CarMax does not code as you might expect. It uses MCC 5521 (Motor Vehicle Supplies and New Parts), which may not trigger the bonus category you're hoping for. Always check your card's terms.
Which credit card earns the most rewards at CarMax?
The best card depends on how CarMax codes. Since it uses MCC 5521 (Motor Vehicle Supplies and New Parts), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.