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Does Pandora Premium
code as Streaming?

Know exactly how your credit card will categorize a purchase at Pandora Premium — before you tap.

Codes unexpectedly
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MCC Code
5735
Category
Music Stores — Musical Instruments, Pianos, and Sheet Music
Reward Category
Streaming
Confirmed by
PreSwipe team
Pandora music streaming subscription may code under 5735 Music Stores rather than 4899; streaming bonuses vary by issuer
Best cards for Pandora Premium
Citi Double Cash
2% back on all purchases
2% back
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Frequently asked questions
What MCC code does Pandora Premium use?
Pandora Premium uses MCC 5735 — Music Stores — Musical Instruments, Pianos, and Sheet Music. This is the four-digit Merchant Category Code assigned to Pandora Premium by card networks and determines how your purchase is categorized for rewards.
Does Pandora Premium count as music stores — musical instruments, pianos, and sheet music for credit card rewards?
Pandora Premium does not code as you might expect. It uses MCC 5735 (Music Stores — Musical Instruments, Pianos, and Sheet Music), 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 Pandora Premium?
The best card depends on how Pandora Premium codes. Since it uses MCC 5735 (Music Stores — Musical Instruments, Pianos, and Sheet Music), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.