Plus: the best credit cards to use at Optimum for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Optimum uses MCC code 4816 (Computer Network Services). The best credit card is the Ink Business Cash, earning 5x rewards on this category.
Optimum transactions are processed under MCC 4816 (Computer Network Services, category: utilities). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Ink Business Cash | 5x | No annual fee | Chase | Apply Now |
| Ink Business Preferred | 3x | $95/yr | Chase | Apply Now |
| AAdvantage Aviator World Elite Business | 2x | $95/yr | Barclays | Apply Now |
| AAdvantage Business World Elite | 2x | $99/yr | Citi | Apply Now |
| Southwest Plus | 2x | $99/yr | Chase | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
Optimum uses MCC code 4816, which is classified as "Computer Network Services". This determines which credit card bonus categories apply to purchases at Optimum.
The best credit card at Optimum is the Ink Business Cash, which earns 5x points/miles on purchases coded as MCC 4816 (Computer Network Services).
Optimum uses MCC 4816 (Computer Network Services). This means purchases at Optimum do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).