Plus: the best credit cards to use at T-Mobile for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
T-Mobile 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.
T-Mobile 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.
T-Mobile 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 T-Mobile.
The best credit card at T-Mobile 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)).
T-Mobile uses MCC 4899 (Cable and other pay television (previously Cable Services)). This means purchases at T-Mobile do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).