MCC Code
4829
Category
Wire Transfers / Money Orders
Reward Category
Finance
Confirmed by
PreSwipe team
Best cards for Zelle (bank transfer)
Citi Double Cash
2% back on all purchases
2% back
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Search PreSwipe →Frequently asked questions
What MCC code does Zelle (bank transfer) use?
Zelle (bank transfer) uses MCC 4829 — Wire Transfers / Money Orders. This is the four-digit Merchant Category Code assigned to Zelle (bank transfer) by card networks and determines how your purchase is categorized for rewards.
Does Zelle (bank transfer) count as wire transfers / money orders for credit card rewards?
Yes — Zelle (bank transfer) 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 Zelle (bank transfer)?
The best card depends on how Zelle (bank transfer) 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.