Plus: the best credit cards to use at iHeartRadio for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
iHeartRadio uses MCC code 5816 (Digital Goods: Games). The best credit card is the Blue Cash Preferred (Morgan Stanley), earning 6x rewards on this category.
iHeartRadio transactions are processed under MCC 5816 (Digital Goods: Games, category: digital). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Blue Cash Preferred (Morgan Stanley) | 6x | $95/yr | American Express | Apply Now |
| Blue Cash Preferred | 6x | $95/yr | American Express | Apply Now |
| Xbox | 5x | No annual fee | Barclays | Apply Now |
| Autograph | 3x | No annual fee | Wells Fargo | Apply Now |
| Blue Cash Everyday | 3x | No annual fee | American Express | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
iHeartRadio uses MCC code 5816, which is classified as "Digital Goods: Games". This determines which credit card bonus categories apply to purchases at iHeartRadio.
The best credit card at iHeartRadio is the Blue Cash Preferred (Morgan Stanley), which earns 6x points/miles on purchases coded as MCC 5816 (Digital Goods: Games).
iHeartRadio uses MCC 5816 (Digital Goods: Games). This means purchases at iHeartRadio do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).