MCC Code
4829
Category
Wire Transfers / Money Orders
Reward Category
Finance
Confirmed by
PreSwipe team
Best cards for Western Union
Citi Double Cash
2% back on all purchases
2% back
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Search PreSwipe →Frequently asked questions
What MCC code does Western Union use?
Western Union uses MCC 4829 — Wire Transfers / Money Orders. This is the four-digit Merchant Category Code assigned to Western Union by card networks and determines how your purchase is categorized for rewards.
Does Western Union count as wire transfers / money orders for credit card rewards?
Yes — Western Union codes as Wire Transfers / Money Orders (MCC 4829), so purchases here should earn bonus rewards on cards that offer a wire transfers / money orders category bonus.
Which credit card earns the most rewards at Western Union?
The best card depends on how Western Union codes. Since it uses MCC 4829 (Wire Transfers / Money Orders), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.