Plus: the best credit cards to use at SiriusXM for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
SiriusXM uses MCC code 4899 (Cable and other pay television (previously Cable Services)). The best credit card is the Blue Cash Preferred (Morgan Stanley), earning 6x rewards on this category.
SiriusXM transactions are processed under MCC 4899 (Cable and other pay television (previously Cable Services), category: utilities). 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 |
| Marriott Bonvoy Business | 4x | $125/yr | American Express | Apply Now |
| Business Gold | 4x | $375/yr | American Express | Apply Now |
| Autograph | 3x | No annual fee | Wells Fargo | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
SiriusXM uses MCC code 4899, which is classified as "Cable and other pay television (previously Cable Services)". This determines which credit card bonus categories apply to purchases at SiriusXM.
The best credit card at SiriusXM is the Blue Cash Preferred (Morgan Stanley), which earns 6x points/miles on purchases coded as MCC 4899 (Cable and other pay television (previously Cable Services)).
SiriusXM uses MCC 4899 (Cable and other pay television (previously Cable Services)). This means purchases at SiriusXM do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).