Plus: the best credit cards to use at Root Insurance for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Root Insurance uses MCC code 6300 (Insurance Sales, Underwriting, and Premiums). The best credit card is the Signify Business Cash, earning 2x rewards on this category.
Root Insurance transactions are processed under MCC 6300 (Insurance Sales, Underwriting, and Premiums, category: financial). 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.
Root Insurance uses MCC code 6300, which is classified as "Insurance Sales, Underwriting, and Premiums". This determines which credit card bonus categories apply to purchases at Root Insurance.
The best credit card at Root Insurance is the Signify Business Cash, which earns 2x points/miles on purchases coded as MCC 6300 (Insurance Sales, Underwriting, and Premiums).
Root Insurance uses MCC 6300 (Insurance Sales, Underwriting, and Premiums). This means purchases at Root Insurance do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).