Plus: the best credit cards to use at Kmart for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Kmart uses MCC code 5399 (Misc. General Merchandise). The best credit card is the Shopper Cash Rewards, earning 6x rewards on this category.
Kmart transactions are processed under MCC 5399 (Misc. General Merchandise, 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 |
| AAA Daily Advantage | 3x | No annual fee | Comenity | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
Kmart uses MCC code 5399, which is classified as "Misc. General Merchandise". This determines which credit card bonus categories apply to purchases at Kmart.
The best credit card at Kmart is the Shopper Cash Rewards, which earns 6x points/miles on purchases coded as MCC 5399 (Misc. General Merchandise).
Kmart uses MCC 5399 (Misc. General Merchandise). This means purchases at Kmart do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).