Plus: the best credit cards to use at Urban Outfitters for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Urban Outfitters uses MCC code 5621 (Women’s Ready-to-Wear Stores). The best credit card is the Signify Business Cash, earning 2x rewards on this category.
Urban Outfitters transactions are processed under MCC 5621 (Women’s Ready-to-Wear Stores, category: apparel). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Signify Business Cash | 2x | No annual fee | Wells Fargo | Apply Now |
| Active Cash | 2x | No annual fee | Wells Fargo | Apply Now |
| Freedom Unlimited | 2x | No annual fee | Chase | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
Urban Outfitters uses MCC code 5621, which is classified as "Women’s Ready-to-Wear Stores". This determines which credit card bonus categories apply to purchases at Urban Outfitters.
The best credit card at Urban Outfitters is the Signify Business Cash, which earns 2x points/miles on purchases coded as MCC 5621 (Women’s Ready-to-Wear Stores).
Urban Outfitters uses MCC 5621 (Women’s Ready-to-Wear Stores). This means purchases at Urban Outfitters do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).