Plus: the best credit cards to use at Shutterstock for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Shutterstock uses MCC code 5818 (Digital Goods: Large Digital Goods Merchant). The best credit card is the Blue Cash Preferred (Morgan Stanley), earning 6x rewards on this category.
Shutterstock transactions are processed under MCC 5818 (Digital Goods: Large Digital Goods Merchant, category: digital). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Blue Cash Preferred (Morgan Stanley) | 6x | $95/yr | American Express | Apply Now |
| Blue Cash Preferred | 6x | $95/yr | American Express | Apply Now |
| Autograph | 3x | No annual fee | Wells Fargo | Apply Now |
| Blue Cash Everyday | 3x | No annual fee | American Express | Apply Now |
| Savor | 3x | No annual fee | Capital One | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
Shutterstock uses MCC code 5818, which is classified as "Digital Goods: Large Digital Goods Merchant". This determines which credit card bonus categories apply to purchases at Shutterstock.
The best credit card at Shutterstock is the Blue Cash Preferred (Morgan Stanley), which earns 6x points/miles on purchases coded as MCC 5818 (Digital Goods: Large Digital Goods Merchant).
Shutterstock uses MCC 5818 (Digital Goods: Large Digital Goods Merchant). This means purchases at Shutterstock do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).