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PreSwipe  /  Merchants  /  Substack (paid newsletter)

Does Substack (paid newsletter)
code as Streaming?

Know exactly how your credit card will categorize a purchase at Substack (paid newsletter) — before you tap.

Codes as expected
VisaMastercardAmexDiscover
MCC Code
5968
Category
Direct Marketing – Continuity / Subscription
Reward Category
Streaming
Confirmed by
PreSwipe team
Best cards for Substack (paid newsletter)
Amex Blue Cash Preferred
6% back on streaming
6% back
Citi Custom Cash
5% back on top spend category (auto)
5% back
Amex Blue Cash Everyday
3% back on streaming
3% back
Chase Sapphire Preferred
3x UR on streaming
3x UR
Chase Freedom Flex
3% back on streaming
3% back
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Streaming · MCC 5968
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iHeartRadio All Access
Streaming · MCC 5968
Expected

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Frequently asked questions
What MCC code does Substack (paid newsletter) use?
Substack (paid newsletter) uses MCC 5968 — Direct Marketing – Continuity / Subscription. This is the four-digit Merchant Category Code assigned to Substack (paid newsletter) by card networks and determines how your purchase is categorized for rewards.
Does Substack (paid newsletter) count as direct marketing – continuity / subscription for credit card rewards?
Yes — Substack (paid newsletter) codes as Direct Marketing – Continuity / Subscription (MCC 5968), so purchases here should earn bonus rewards on cards that offer a direct marketing – continuity / subscription category bonus.
Which credit card earns the most rewards at Substack (paid newsletter)?
The best card depends on how Substack (paid newsletter) codes. Since it uses MCC 5968 (Direct Marketing – Continuity / Subscription), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.