MCC 5331

What MCC Code Does Christmas Tree Shops Use?

Plus: the best credit cards to use at Christmas Tree Shops for maximum rewards in 2026.

By PointsPick Team, Credit Card Research Team  ·  Updated April 2026

Quick Answer

Christmas Tree Shops uses MCC code 5331 (Variety Stores). The best credit card is the Shopper Cash Rewards, earning 6x rewards on this category.

Best Credit Cards at Christmas Tree Shops

Christmas Tree Shops 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.

Quick Reference

All cards for MCC 5331 Christmas Tree Shops merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does Christmas Tree Shops use?

Christmas Tree Shops uses MCC code 5331, which is classified as "Variety Stores". This determines which credit card bonus categories apply to purchases at Christmas Tree Shops.

What is the best credit card to use at Christmas Tree Shops?

The best credit card at Christmas Tree Shops is the Shopper Cash Rewards, which earns 6x points/miles on purchases coded as MCC 5331 (Variety Stores).

Does Christmas Tree Shops qualify for grocery credit card bonuses?

Christmas Tree Shops uses MCC 5331 (Variety Stores). This means purchases at Christmas Tree Shops do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).