MCC Code
5521
Category
Motor Vehicle Supplies and New Parts
Reward Category
Automotive
Confirmed by
PreSwipe team
Online used-car retailer; vehicle purchase transactions may code 5521; many issuers exclude or cap rewards on auto purchases; some transactions processed through financing bypass card rewards entirely
Best cards for Carvana
Citi Double Cash
2% back on all purchases
2% back
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Search PreSwipe →Frequently asked questions
What MCC code does Carvana use?
Carvana uses MCC 5521 — Motor Vehicle Supplies and New Parts. This is the four-digit Merchant Category Code assigned to Carvana by card networks and determines how your purchase is categorized for rewards.
Does Carvana count as motor vehicle supplies and new parts for credit card rewards?
Carvana 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 Carvana?
The best card depends on how Carvana 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.