MCC Code
5099
Category
Durable Goods, Not Elsewhere Classified
Reward Category
Transit
Confirmed by
PreSwipe team
MTA subway/bus MetroCard and OMNY tap payments often code as 5099 or 5094; does NOT reliably code as transit MCC 7011 or earn travel/transit bonus on many cards
Best cards for MTA New York City Transit
Citi Double Cash
2% back on all purchases
2% back
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Search PreSwipe →Frequently asked questions
What MCC code does MTA New York City Transit use?
MTA New York City Transit uses MCC 5099 — Durable Goods, Not Elsewhere Classified. This is the four-digit Merchant Category Code assigned to MTA New York City Transit by card networks and determines how your purchase is categorized for rewards.
Does MTA New York City Transit count as durable goods, not elsewhere classified for credit card rewards?
MTA New York City Transit does not code as you might expect. It uses MCC 5099 (Durable Goods, Not Elsewhere Classified), 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 MTA New York City Transit?
The best card depends on how MTA New York City Transit codes. Since it uses MCC 5099 (Durable Goods, Not Elsewhere Classified), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.