Plus: the best credit cards to use at 99 Cents Only Stores for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
99 Cents Only Stores uses MCC code 5331 (Variety Stores). The best credit card is the Shopper Cash Rewards, earning 6x rewards on this category.
99 Cents Only Stores transactions are processed under MCC 5331 (Variety Stores, category: retail). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Shopper Cash Rewards | 6x | $95/yr | U.S. Bank | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
99 Cents Only Stores uses MCC code 5331, which is classified as "Variety Stores". This determines which credit card bonus categories apply to purchases at 99 Cents Only Stores.
The best credit card at 99 Cents Only Stores is the Shopper Cash Rewards, which earns 6x points/miles on purchases coded as MCC 5331 (Variety Stores).
99 Cents Only Stores uses MCC 5331 (Variety Stores). This means purchases at 99 Cents Only Stores do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).