MCC Code
5099
Category
Durable Goods, Not Elsewhere Classified
Reward Category
Transit
Confirmed by
PreSwipe team
OMNY tap-to-pay on NYC subways and buses codes as 5099, not a transit MCC; misses transit category bonuses on most cards
Best cards for MTA OMNY (Contactless 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 OMNY (Contactless Transit) use?
MTA OMNY (Contactless Transit) uses MCC 5099 — Durable Goods, Not Elsewhere Classified. This is the four-digit Merchant Category Code assigned to MTA OMNY (Contactless Transit) by card networks and determines how your purchase is categorized for rewards.
Does MTA OMNY (Contactless Transit) count as durable goods, not elsewhere classified for credit card rewards?
MTA OMNY (Contactless 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 OMNY (Contactless Transit)?
The best card depends on how MTA OMNY (Contactless 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.