MCC 5995

What MCC Code Does Petco Use?

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

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

Quick Answer

Petco uses MCC code 5995 (Pet Shops, Pet Foods, and Supplies Stores). The best credit card is the Signify Business Cash, earning 2x rewards on this category.

Best Credit Cards at Petco

Petco transactions are processed under MCC 5995 (Pet Shops, Pet Foods, and Supplies Stores, 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 5995 Petco merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does Petco use?

Petco uses MCC code 5995, which is classified as "Pet Shops, Pet Foods, and Supplies Stores". This determines which credit card bonus categories apply to purchases at Petco.

What is the best credit card to use at Petco?

The best credit card at Petco is the Signify Business Cash, which earns 2x points/miles on purchases coded as MCC 5995 (Pet Shops, Pet Foods, and Supplies Stores).

Does Petco qualify for grocery credit card bonuses?

Petco uses MCC 5995 (Pet Shops, Pet Foods, and Supplies Stores). This means purchases at Petco do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).