MCC 5945

What MCC Code Does Michaels Use?

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

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

Quick Answer

Michaels 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 Michaels

Michaels 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 Michaels merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does Michaels use?

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

What is the best credit card to use at Michaels?

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

Does Michaels qualify for grocery credit card bonuses?

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