Plus: the best credit cards to use at Kobo for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Kobo uses MCC code 5815 (Digital Goods: Media, Books, Movies, Music). The best credit card is the Savor, earning 8x rewards on this category.
Kobo transactions are processed under MCC 5815 (Digital Goods: Media, Books, Movies, Music, category: digital). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Savor | 8x | No annual fee | Capital One | Apply Now |
| Blue Cash Preferred | 6x | $95/yr | American Express | Apply Now |
| Blue Cash Preferred (Morgan Stanley) | 6x | $95/yr | American Express | Apply Now |
| Venture X | 5x | $395/yr | Capital One | Apply Now |
| Autograph | 3x | No annual fee | Wells Fargo | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
Kobo uses MCC code 5815, which is classified as "Digital Goods: Media, Books, Movies, Music". This determines which credit card bonus categories apply to purchases at Kobo.
The best credit card at Kobo is the Savor, which earns 8x points/miles on purchases coded as MCC 5815 (Digital Goods: Media, Books, Movies, Music).
Kobo uses MCC 5815 (Digital Goods: Media, Books, Movies, Music). This means purchases at Kobo do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).