MCC 5734

What MCC Code Does Microsoft 365 Use?

Plus: the best credit cards to use at Microsoft 365 for maximum rewards in 2026.

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

Quick Answer

Microsoft 365 uses MCC code 5734 (Computer Software Stores). The best credit card is the Brex, earning 2x rewards on this category.

Best Credit Cards at Microsoft 365

Microsoft 365 transactions are processed under MCC 5734 (Computer Software Stores, category: software). These cards earn the highest rewards:

Card Earning Rate Annual Fee Issuer
Brex 2x No annual fee Brex Apply Now
Business Platinum 2x $695/yr American Express Apply Now

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

Quick Reference

All cards for MCC 5734 Microsoft 365 merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does Microsoft 365 use?

Microsoft 365 uses MCC code 5734, which is classified as "Computer Software Stores". This determines which credit card bonus categories apply to purchases at Microsoft 365.

What is the best credit card to use at Microsoft 365?

The best credit card at Microsoft 365 is the Brex, which earns 2x points/miles on purchases coded as MCC 5734 (Computer Software Stores).

Does Microsoft 365 qualify for grocery credit card bonuses?

Microsoft 365 uses MCC 5734 (Computer Software Stores). This means purchases at Microsoft 365 do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).