MCC Code
5045
Category
Computers and Computer Peripheral Equipment and Software
Reward Category
Electronics
Confirmed by
PreSwipe team
Subscription software often miscategorized; codes as computer equipment wholesale, not streaming
Best cards for Microsoft 365
Amazon Prime Rewards Visa
5% back on Amazon & Whole Foods
5% back
Citi Double Cash
2% back on all purchases
2% back
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Search PreSwipe →Frequently asked questions
What MCC code does Microsoft 365 use?
Microsoft 365 uses MCC 5045 — Computers and Computer Peripheral Equipment and Software. This is the four-digit Merchant Category Code assigned to Microsoft 365 by card networks and determines how your purchase is categorized for rewards.
Does Microsoft 365 count as computers and computer peripheral equipment and software for credit card rewards?
Microsoft 365 does not code as you might expect. It uses MCC 5045 (Computers and Computer Peripheral Equipment and Software), 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 Microsoft 365?
The best card depends on how Microsoft 365 codes. Since it uses MCC 5045 (Computers and Computer Peripheral Equipment and Software), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.