Plus: the best credit cards to use at Steam for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Steam uses MCC code 7994 (Video Game Arcades/Establishments). The best credit card is the Savor, earning 8x rewards on this category.
Steam transactions are processed under MCC 7994 (Video Game Arcades/Establishments, category: entertainment). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Savor | 8x | No annual fee | Capital One | Apply Now |
| Xbox | 5x | No annual fee | Barclays | Apply Now |
| Venture X | 5x | $395/yr | Capital One | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
Steam uses MCC code 7994, which is classified as "Video Game Arcades/Establishments". This determines which credit card bonus categories apply to purchases at Steam.
The best credit card at Steam is the Savor, which earns 8x points/miles on purchases coded as MCC 7994 (Video Game Arcades/Establishments).
Steam uses MCC 7994 (Video Game Arcades/Establishments). This means purchases at Steam do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).