Plus: the best credit cards to use at CVS Pharmacy for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
CVS Pharmacy uses MCC code 5912 (Drug Stores and Pharmacies). The best credit card is the Custom Cash, earning 5x rewards on this category.
CVS Pharmacy transactions are processed under MCC 5912 (Drug Stores and Pharmacies, category: pharmacy). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Custom Cash | 5x | No annual fee | Citi | Apply Now |
| Freedom Flex | 3x | No annual fee | Chase | Apply Now |
| Freedom Unlimited | 3x | No annual fee | Chase | Apply Now |
| Sapphire Reserve | 3x | $795/yr | Chase | Apply Now |
| Customized Cash Rewards | 2x | No annual fee | Bank of America | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
CVS Pharmacy uses MCC code 5912, which is classified as "Drug Stores and Pharmacies". This determines which credit card bonus categories apply to purchases at CVS Pharmacy.
The best credit card at CVS Pharmacy is the Custom Cash, which earns 5x points/miles on purchases coded as MCC 5912 (Drug Stores and Pharmacies).
CVS Pharmacy uses MCC 5912 (Drug Stores and Pharmacies). This means purchases at CVS Pharmacy do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).