Plus: the best credit cards to use at UPS for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
UPS uses MCC code 4215 (Courier Services – Air or Ground, Freight forwarders). The best credit card is the Marriott Bonvoy Business, earning 4x rewards on this category.
UPS transactions are processed under MCC 4215 (Courier Services – Air or Ground, Freight forwarders, category: transportation). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Marriott Bonvoy Business | 4x | $125/yr | American Express | Apply Now |
| Ink Business Preferred | 3x | $95/yr | Chase | Apply Now |
| Hilton Honors Business | 3x | $175/yr | American Express | Apply Now |
| Delta SkyMiles Gold Business | 2x | $150/yr | American Express | Apply Now |
| United Business | 2x | $150/yr | Chase | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
UPS uses MCC code 4215, which is classified as "Courier Services – Air or Ground, Freight forwarders". This determines which credit card bonus categories apply to purchases at UPS.
The best credit card at UPS is the Marriott Bonvoy Business, which earns 4x points/miles on purchases coded as MCC 4215 (Courier Services – Air or Ground, Freight forwarders).
UPS uses MCC 4215 (Courier Services – Air or Ground, Freight forwarders). This means purchases at UPS do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).