MCC 5945

What MCC Code Does JOANN Use?

Plus: the best credit cards to use at JOANN for maximum rewards in 2026.

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

Quick Answer

JOANN uses MCC code 5945 (Hobby, Toy, and Game Shops). The best credit card is the Signify Business Cash, earning 2x rewards on this category.

Best Credit Cards at JOANN

JOANN transactions are processed under MCC 5945 (Hobby, Toy, and Game Shops, category: retail). These cards earn the highest rewards:

Card Earning Rate Annual Fee Issuer
Signify Business Cash 2x No annual fee Wells Fargo Apply Now
Active Cash 2x No annual fee Wells Fargo Apply Now
Freedom Unlimited 2x No annual fee Chase Apply Now

Rates and fees as of April 2026. Verify with issuer before applying.

Quick Reference

All cards for MCC 5945 JOANN merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does JOANN use?

JOANN uses MCC code 5945, which is classified as "Hobby, Toy, and Game Shops". This determines which credit card bonus categories apply to purchases at JOANN.

What is the best credit card to use at JOANN?

The best credit card at JOANN is the Signify Business Cash, which earns 2x points/miles on purchases coded as MCC 5945 (Hobby, Toy, and Game Shops).

Does JOANN qualify for grocery credit card bonuses?

JOANN uses MCC 5945 (Hobby, Toy, and Game Shops). This means purchases at JOANN do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).