MCC 5621

What MCC Code Does Old Navy Use?

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

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

Quick Answer

Old Navy uses MCC code 5621 (Women’s Ready-to-Wear Stores). The best credit card is the Signify Business Cash, earning 2x rewards on this category.

Best Credit Cards at Old Navy

Old Navy transactions are processed under MCC 5621 (Women’s Ready-to-Wear Stores, category: apparel). 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 5621 Old Navy merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does Old Navy use?

Old Navy uses MCC code 5621, which is classified as "Women’s Ready-to-Wear Stores". This determines which credit card bonus categories apply to purchases at Old Navy.

What is the best credit card to use at Old Navy?

The best credit card at Old Navy is the Signify Business Cash, which earns 2x points/miles on purchases coded as MCC 5621 (Women’s Ready-to-Wear Stores).

Does Old Navy qualify for grocery credit card bonuses?

Old Navy uses MCC 5621 (Women’s Ready-to-Wear Stores). This means purchases at Old Navy do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).