美国六大银行对消费类别(merchant category codes)如何分类?

不同银行对不同类别消费有不同的定义和区别。对于不同的商家他们会定义一个商家消费类别码(merchant category codes),简称MCC。当我们在刷卡消费的时候,如果要获得多倍返现或者返点,常常就要注意刷不同的卡。另外,本文所涉及的信用卡只限于提供指定类别的相关银行信用卡。诸如Chase Freedom UnlimitedCiti Double CashDiscover it Miles这类提供所有类别相同返现(点)类别的信用卡不列入在以下列表之类。

另外,如果你在一个酒店内部的饭馆消费,可能你刷卡的消费类别显示的是酒店(Hotel)而不是饭馆(dining)。

以下是目前美国六大主流银行(BoA、Chase、Discover、Capital One、Citi、AmEx)对于不同MCC的消费类别一览表,方便大家查询。主要涉及旅行(travel)、饭馆(dining)、菜店(groceries)、加油站(gas station)、流媒体服务(streaming services )、娱乐(entertainment)六大类别。

HT: https://www.hustlermoneyblog.com/bank-account-promotions/

美国运通 [AmEx]

旅行(Travel)

American Express Green Card卡可以在以下所有类别获得多倍积分。

  • 在航司以及amextravel.com购买机票 airfare booked directly with airlines or on amextravel.com
  • 在amextravel.com订房 Prepaid hotels booked on amextravel.com
  • 仅限American Express Green Card卡持有者 :预订私人飞机 Airfare for a scheduled flight on a passenger carrier, chartered flights and private jet flights (American Express® Green Card only)
  • 仅限American Express Green Card卡持有者 :通勤:包括火车、出租车、船、过路费、停车费、公共汽车、地铁等等。Transit, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways (American Express® Green Card only)
  • 仅限American Express Green Card卡持有者 :酒店预订Hotel stays, timeshare rentals and vacation rentals (American Express® Green Card only)
  • 仅限American Express Green Card卡持有者: 租车 Car rentals (American Express® Green Card only)
  • 仅限American Express Green Card卡持有者 :其他旅行消费,包括邮轮、度假项目等等 Other travel purchases including cruises, tours, vacation packages and travel purchases made through tour operators and travel agencies, including online (American Express® Green Card only)

以下消费不属于旅行:

  • 购买听课房 Purchases of timeshare properties
  • 酒店内的宴会 Banquets or events held at a hotel
  • 酒店内的会议房 Meeting rooms booked at a hotel
  • 租卡车或者厢式货车 Truck rentals or moving van rentals

提供旅行多倍返点的运通信用卡

American Express Gold Card:在航司或者amextravel.com订票获得3X积分。

The Platinum Card from American Express: 在航司或者amextravel.com订票获得5X积分。

American Express Green Card:在部分旅行类别获得3X积分。

American Express Blue Cash Preferred (BCP):3%返现类别交通(包括打车、Uber/Lyft、停车、收费公路、火车、公交等,但不包括机票和租车)。

饭馆(Dining)

  • 美国境内饭馆Restaurants located in the U.S.
  • 全球饭馆(取决于你的信用卡) Restaurants located worldwide (depending on the card you have).

以下消费不属于饭馆

  • 全球饭馆 (取决于你的信用卡)Restaurants located worldwide (depending on the card you have)
  • 酒吧、夜店、便利店、卖场、超市、部分咖啡馆、食堂、电影院、酒庄、面包店 Bars, nightclubs, convenience stores, supermarkets, grocery stores, cafeterias, caterers, theatre clubs, breweries, bakeries and meeting venues
  • 在酒店、赌场以及其他场所中的饭馆可能被识别为酒店(hotel)类别而不是饭馆(dining)类别You may not earn additional rewards at a restaurant located within another establishment (a restaurant inside a hotel, casino or event venue).

提供吃饭多倍返点的运通信用卡

菜店(Groceries)

  • 菜店定义,当然最好懂的是,如果这件点卖家用电器,一般就不是菜店。A supermarket offers a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies
  • 必须在美国境内 Must be located in the U.S.

以下消费不属于菜店

  • 便利店以及其他特色商店(鱼市、奶酪店、酒精产品商店等等)Convenience stores and specialty stores (like fish markets, cheese shops, wine shops, and other specialty food stores)
  • 超级商店(亚马逊、塔吉特、沃尔玛)Superstores (like Amazon, Target and Walmart)
  • 仓储式超市(开市客、山姆会员店、BJ’s)Warehouse clubs (like Costco, Sam’s Club BJ’s Club)

提供超市多倍返点的运通信用卡

加油站(Gas)

  • 加油站定义:加油站可以有便利店,但是主要提供的服务是加油。A gas station is defined as a merchant that is in the primary business of selling gasoline to consumers. Gas stations may sell other convenience items, but its primary business must be selling gasoline to consumers
  • 必须在美国境内 Must be located in the U.S.

以下消费不属于加油:

  • 部分提供加油服务的超级商店以及仓储式超市(比如塔吉特、开市客)Superstores, supermarkets, and warehouse clubs that sell gasoline (like Target and Costco)
  • 游艇用油、私人飞机用油 Marina or any type of commercial fuel (jet fuel)

提供加油站多倍返点的运通信用卡

流媒体播放(streaming services)

  • Amazon Music Unlimited
  • Apple Music
  • Apple TV+
  • AT&T Now
  • Audible
  • CBS All Access
  • Disney+
  • ESPN+
  • Fubo TV
  • HBO Now
  • Hulu
  • iHeartRadio
  • Kindle Unlimited
  • Luminary
  • MLB.TV
  • NBA League Pass
  • Netflix
  • NHL.TV
  • Pandora
  • Prime Video
  • Showtime
  • Sling TV
  • SiriusXM Streaming and Satellite
  • Spotify
  • Stitcher
  • YouTube Music Premium
  • YouTube Premium
  • YouTube TV

以下消费不属于流媒体

  • 第三方提供的流媒体服务 Subscriptions bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider or a car manufacturer), may not be eligible

提供流媒体服务多倍返点的美国银行信用卡

大通银行 [Chase]

旅行(Travel

  • 航空 Airlines
  • 酒店 Hotels
  • 汽车旅馆 Motels
  • 分时房 Timeshares
  • 租车 Car rental agencies
  • 邮轮 Cruise lines
  • 第三方旅行网站 Travel agencies
  • 打折旅行网站 Discount travel sites
  • 露营 Campgrounds and operators of passenger trains
  • 公共汽车 Buses
  • 出租汽车 Taxis
  • 豪华轿车 Limousines
  • 渡轮 Ferries
  • 过路费、过桥费、高速公路费 Toll bridges and highways
  • 停车 Parking lots and garages

以下消费不属于旅行:

  • 部分提供旅行服务的商家。Merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, boat rentals, merchants within hotels and airports, and merchants that rent vehicles for the purpose of hauling
  • 购买礼卡、点数、里程等等。The purchasing of gift cards, points or miles do not qualify in this category unless the merchant has set up such purchases to be classified in the travel category

提供旅行多倍返点的大通信用卡

吃饭(Dining

  • 主要提供堂食或者外带的饭馆,也包括连锁快餐店以及高档餐厅 Restaurant category merchants’ primary business is sit-down or eat-in dining, including fast-food restaurants and fine dining establishments

以下消费不属于饭馆

  • 在体育场、主题公园、酒店、赌场、菜店、百货公司内售卖餐食的场所。不过比如美食广场(food plaza)或者连锁餐饮集团的餐馆常常属于饭馆类别。Merchants that sell food and drinks located within facilities such as sports stadiums, hotels and casinos, theme parks, grocery and department stores will not be included in this category unless the merchant has set up such purchases to be classified in a restaurant category
  • 面包店以及提供送餐服务的公司。Bakeries, caterers, gift card and delivery service merchants will not be included in this category unless the merchant has set up such purchases to be classified in the restaurant category

提供饭馆多倍返点的大通信用卡

菜店(Grocery stores

  • 菜店 Supermarkets/grocery stores
  • Merchants that offer a full service grocery line of merchandise including a deli and bakery as well as smaller grocery stores

以下消费不属于菜店

  • 仓储式超市 Warehouse clubs
  • 打折店 Discount stores
  • 药店 Smaller merchants such as drugstores
  • Merchants that specialize in only a few grocery items
  • 加油站内的商店 Purchases made at gas stations from merchants who also operate grocery stores are not included in this category
  • 专送服务公司 Delivery service merchants will not be included in this category unless the merchant has set up such purchases to be classified in the grocery stores category

提供菜店多倍返点的大通信用卡

  • Chase Freedom: 每日历年季度轮换,一般一年有一个季度菜店5%返现。每个季度5%返现类别有$1500上限。

加油站(Gas

  • 加油站定义:Merchants in the gas stations category sell automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location

以下消费不属于加油

  • 除汽车加油以外均不算加油类别。 Merchants that do not specialize in selling automotive gasoline are not included in this category; for example, truck stops, boat marinas, oil and propane distributors and home heating companies

提供加油多倍返点的信用卡

  • Chase Freedom: 每日历年季度轮换,一般一年有一个季度加油站5%返现。每个季度5%返现类别有$1500上限。

流媒体服务(Streaming services

  • Disney+
  • Netflix
  • Hulu
  • Sling
  • Vudu
  • Fubo TV
  • Apple Music
  • SiriusXM
  • Pandora
  • Spotify
  • YouTube TV
  • ESPN+

以下消费不属于流媒体服务

  • 除以上以外的其他商家。Merchants not mentioned above

提供流媒体多倍返点的大通信用卡

  • Chase Freedom: 每日历年季度轮换,一般一年有一个季度常常有流媒体播放5%返现。每个季度5%返现类别有$1500上限。

美国银行 [BoA]

旅行(Travel)

  • 航空Airlines
  • 租车租船 Boat leases and rentals
  • 公共汽车 Buses
  • 露营 Campgrounds and trailer parks
  • 租车 Car rental agencies
  • 邮轮 Cruise lines
  • 渡船 Ferries
  • 酒店 Hotels, motels, resorts
  • 豪华轿车 Limousines
  • Motorhome and recreational vehicle rentals
  • 停车 Parking lots and garages
  • Passenger railways
  • Real estate agents and managers (rentals)
  • Recreation services
  • 出租车 Taxicabs
  • Timeshares
  • 过路费、过桥费 Toll and bridge fees
  • Travel-related arrangements services
  • Travel agencies and tour operators
  • Tourist attractions and exhibits (amusement parks, carnivals, circuses, aquariums and zoos)
  • Truck and trailer utility rentals

以下消费不属于旅行

  • 机舱内购物与服务 In-flight goods and services
  • 飞机场免税店消费 Duty-free airport purchases

提供旅行多倍返点、返现的美国银行信用卡

  • Bank of America Cash Rewards credit card: 每月可以在以下类别中自选一个类别3%返现(吃饭、药店、加油站、家装店 Home Improvements & furnishings、网购、旅行)、菜店和仓储式超市(Costco,Sam’s, BJ’s)2X,其他1X,其中3X和2X的消费类别每个季度只有前2500刀能享受2-3X的返现。
  • Bank of America Premium Rewards Visa credit card: 如果在BoA存款少于$20K:吃饭和旅行2倍积分,其他一切消费1.5倍积分。积分上不封顶。如果在BoA存款$20K到$50K之间:吃饭和旅行2.5倍积分,其他一切消费1.875倍积分。积分上不封顶。如果在BoA存款$50K到$100K之间:吃饭和旅行3倍积分,其他一切消费2.25倍积分。积分上不封顶。如果在BoA存款$100K或以上:吃饭和旅行3.5倍积分,其他一切消费2.6倍积分。积分上不封顶。

饭馆(Dining)

  • 饭馆 Restaurants
  • 连锁快餐店 Fast-food chains
  • 酒吧、夜店等等 Drinking establishments, such as bars, nightclubs or taverns

以下消费不属于吃饭

提供吃饭多倍返点、返现的美国银行信用卡

  • Bank of America Cash Rewards credit card:每月可以在以下类别中自选一个类别3%返现(吃饭、药店、加油站、家装店 Home Improvements & furnishings、网购、旅行)、菜店和仓储式超市(Costco,Sam’s, BJ’s)2X,其他1X,其中3X和2X的消费类别每个季度只有前2500刀能享受2-3X的返现。
  • Bank of America Premium Rewards Visa credit card: 如果在BoA存款少于$20K:吃饭和旅行2倍积分,其他一切消费1.5倍积分。积分上不封顶。如果在BoA存款$20K到$50K之间:吃饭和旅行2.5倍积分,其他一切消费1.875倍积分。积分上不封顶。如果在BoA存款$50K到$100K之间:吃饭和旅行3倍积分,其他一切消费2.25倍积分。积分上不封顶。如果在BoA存款$100K或以上:吃饭和旅行3.5倍积分,其他一切消费2.6倍积分。积分上不封顶。

菜店(Grocery stores

  • 超市、超级商店 Supermarkets/grocery stores
  • 仓储式超市 Wholesale clubs

以下消费不属于菜店

提供菜店多倍返点、返现的美国银行信用卡

  • Bank of America Cash Rewards credit card:每月可以在以下类别中自选一个类别3%返现(吃饭、药店、加油站、家装店 Home Improvements & furnishings、网购、旅行)、菜店和仓储式超市(Costco,Sam’s, BJ’s)2X,其他1X,其中3X和2X的消费类别每个季度只有前2500刀能享受2-3X的返现。

加油站(Gas

  • 加油站定义:Gas purchases at automated fuel dispensers; fuel dealers for coal, fuel oil, liquefied petroleum and wood; marinas and marine service and supplies; and service stations, with or without ancillary services

以下消费不属于菜店

  • 仓储式超市的加油站可能不属于加油站类别 Wholesale clubs that offer pay at pump locations may not qualify

提供加油站多倍返点、返现的美国银行信用卡

  • Bank of America Cash Rewards credit card:每月可以在以下类别中自选一个类别3%返现(吃饭、药店、加油站、家装店 Home Improvements & furnishings、网购、旅行)、菜店和仓储式超市(Costco,Sam’s, BJ’s)2X,其他1X,其中3X和2X的消费类别每个季度只有前2500刀能享受2-3X的返现。

第一资本 [Capital One]

旅行(Travel)

  • 通过Capital One Travel预订酒店和租车 Hotel and car rentals booked through Capital One Travel

以下消费不属于旅行

  • 不通过Capital One Travel预订 Purchases made outside of Capital One Travel, such as hotel incidentals, upgrades or other expenses

提供旅行多倍返点的第一资本银行信用卡

饭馆(Dining)

  • Restaurants
  • Cafes
  • Bars
  • Lounges
  • Fast-food chains
  • Bakeries

以下消费不属于饭馆

  • Food trucks, food carts and restaurants in department stores or hotels may not qualify

提供饭馆多倍返现的第一资本银行信用卡

菜店(Grocery stores

  • 超市 Supermarkets/grocery stores
  • 肉店、奶制品店 Meat locker, freezer, dairy product store
  • 特色市场 Specialty markets

以下消费不属于菜店

  • 超级商店 Superstores (like Walmart and Target)

提供菜店多倍返现的第一资本银行信用卡

娱乐 (Entertainment

  • 电影院、运动比赛、剧院、主题公园、旅游景点、水族馆、动物园、舞厅、唱片商店、台球厅、保龄球馆等等 Ticket purchases made at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys

以下消费不属于娱乐

  • 高尔夫 Golf courses, country clubs (including membership fees)
  • 大学运动比赛 Collegiate sporting events categorized as “universities”
  • 网络、电子流媒体服务 Cable, digital streaming and membership services
  • 慈善机构赞助活动 Charitable organizations that provide live entertainment
  • 第三方网站购买的主题公园门票 Amusement park tickets purchased on third-party sites
  • 部分被列为“旅行”或者“酒店”的娱乐以及度假胜地产品 Entertainment and resort packages categorized as “travel” or “hotel”

提供娱乐多倍返现的第一资本银行信用卡

花旗银行 [Citi]

旅行(Travel

  • 航空 Airlines
  • 酒店 Hotels
  • 租车 Car rental agencies
  • 第三方旅行 Travel agencies/travel aggregators/tour operators
  • 加油 Gas stations
  • Commuter transportation
  • 渡船 Ferries
  • 通勤火车 Commuter railways
  • 地铁 Subways
  • 租车 Taxis/limousines/car services
  • 火车 Passenger railways
  • 邮轮 Cruise lines
  • 过桥、过路费 Bridge and road tolls
  • 停车 Parking lots/garages
  • 露营 Campgrounds and trailer parks
  • 分时房 Timeshares
  • 公共汽车 Bus lines
  • 娱乐车辆租赁 Motor home/recreational vehicle rentals
  • 租船 Boat leases and rentals

以下类别不属于旅行

  • 娱乐露营 Recreational camps
  • 保险公司 Insurance companies
  • 汽车俱乐部 Auto clubs
  • 非汽车加油 Fuel used for non-automobile purposes
  • 房产中介 Real estate agencies
  • 在非加油站加油 Gas purchases made at warehouse clubs, discount stores, department stores and convenience stores

提供旅行多倍返现的花旗银行信用卡

饭馆(Dining

  • 饭馆(餐馆、酒吧、快餐)Restaurants (including cafes, bars, lounges and fast-food restaurants)

以下类别不属于饭馆

  • 面包店 Bakeries
  • Caterers
  • Restaurants located inside other establishments (such as hotels, department stores, grocery stores, discount and convenience stores or warehouse clubs)
  • 在线订餐服务 Online dining delivery services

提供饭馆多倍返现的花旗银行信用卡

  • Costco Anywhere Visa Card by Citi: 全球饭馆3%返现 3% cash back on restaurants worldwide
  • Citi Premier: 饭馆2X积分
  • Citi Prestige: 馆内消费(Dining)5X积分。但要注意在酒店/商场/超市等其他类别的商家内部的餐厅不算“餐馆内”,送餐服务比如Grubhub,UberEat 也不算。

菜店(Grocery stores

  • Supermarkets/grocery stores

以下类别不属于菜店

  • 打折店 General merchandise/discount superstores
  • 肉店 Freezer/meat locker provisioners
  • 奶制品店 Dairy product stores
  • 便利店 Miscellaneous food/convenience stores
  • 市场、药店、仓储式商店、Markets, drugstores, warehouse clubs, wholesale clubs, specialty vendors, bakeries, candy stores, nut stores, confectionery stores, and meal kit delivery services
  • 部分在线超市 Some online supermarkets may not qualify

提供菜店多倍返现的花旗银行信用卡

  • Citi Rewards+ : 超市和加油消费2x积分,每年上限$6,000。超过$6000,1X积分。

加油站(Gas)

以下类别不属于加油

  • 商业用油以及非汽车用油 Fuel purchased for commercial purposes or used for non-automobile purposes
  • 仓储式超市、超级商店、打折店、百货公司、便利店 Warehouse clubs, wholesale clubs, superstores, discount stores, department stores and convenience stores may not qualify

提供加油多倍返现的花旗银行信用卡

娱乐(Entertainment

  • 现场娱乐节目 Live entertainment
  • 现场表演节目 Live theatrical productions
  • 音乐会 Concerts
  • 现场比赛 Live sporting events
  • 电影院 Movie theaters
  • 公园(包括动物园、水族馆、邮轮、嘉年华)Amusement parks (including zoos, aquariums, circuses and carnivals)
  • 旅游景点(包括博物馆、艺术馆)Tourist attractions (including museums, and art galleries)
  • 唱片商店 Record stores
  • 影碟租赁商店 Video rental stores
  • 在线流媒体 On-demand internet streaming media

以下类别不属于娱乐

  • 卫星、有限电视服务 Satellite and cable service providers
  • 慈善组织活动 Charitable organizations that provide live entertainment
  • 运动训练营 Sporting camps, sports complexes where you participate in the sport
  • 公共与私人高尔夫球场 Public and private golf courses
  • 乡村俱乐部(包括会员费)Country clubs (including membership fees)
  • 保龄球馆 Bowling alleys
  • 电子游戏厅 Video game arcades
  • 售卖电子游戏及配件以及乐器商店 Stores that primarily sell video games/accessories and musical instruments
  • 书店 Bookstores

提供娱乐多倍返现的花旗银行信用卡

发现银行 [Discover]

饭馆(Dining

  • 饭馆 Full-service restaurants
  • 小饭馆、咖啡馆 Cafes
  • Cafeterias
  • 连锁 快餐店 Fast-food chains

以下类别不属于饭馆

  • 在仓储式超市或者部分打折店内的餐饮区 Purchases made at warehouse clubs, wholesale distributors and discount stores
  • 如果使用第三方支付、电子支付方式(Apple Pay、Andriod Pay、Samsung Pay)等等支付方式的消费可能无法识别 Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible

提供饭馆多倍返现的发现银行信用卡

  • Discover it: 每季度轮换。一般每日历年有一个季度有饭馆类别5%返现。每个季度5%返现类别$1500。

菜店 (Grocery store

  • 超市 Supermarkets/grocery stores

以下类别不属于菜店

  • 在便利店、加油站、仓储式超市、打折店、或者超级商店(比如沃尔玛或者他吉他)消费 Grocery purchases made at convenience stores, gas stations, warehouse clubs, discount stores, superstores (or at grocery stores associated with superstores or discount stores), including Walmart and Target
  • 如果使用第三方支付、电子支付方式(Apple Pay、Andriod Pay、Samsung Pay)等等支付方式的消费可能无法识别 Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible

提供菜店多倍返现的发现银行信用卡

  • Discover it: 每季度轮换。一般每日历年有一个季度有菜店类别5%返现。每个季度5%返现类别有$1500上限。

加油站(Gas

  • 可以在油泵加油区或者店内支付的售卖汽车用油的商家 Merchants that sell automotive gasoline that can be paid for either at the pump or inside the station

以下类别不属于加油站

  • 率属于超市、仓储式超市等等的加油站 Gas stations affiliated with superstores, supermarkets, discount stores, warehouse clubs or wholesale distributors may not be eligible
  • 如果使用第三方支付、电子支付方式(Apple Pay、Andriod Pay、Samsung Pay)等等支付方式的消费可能无法识别 Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible

提供加油多倍返现的发现银行信用卡

  • Discover it: 每季度轮换。一般每日历年有一个季度有加油类别5%返现。每个季度5%返现类别有$1500上限。