MCC 9402

What MCC Code Does USPS Use?

Plus: the best credit cards to use at USPS for maximum rewards in 2026.

By PointsPick Team, Credit Card Research Team  ·  Updated April 2026

Quick Answer

USPS uses MCC code 9402 (Postal Services – Government Only). The best credit card is the Signify Business Cash, earning 2x rewards on this category.

Best Credit Cards at USPS

USPS transactions are processed under MCC 9402 (Postal Services – Government Only, category: government). 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.

Quick Reference

All cards for MCC 9402 USPS merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does USPS use?

USPS uses MCC code 9402, which is classified as "Postal Services – Government Only". This determines which credit card bonus categories apply to purchases at USPS.

What is the best credit card to use at USPS?

The best credit card at USPS is the Signify Business Cash, which earns 2x points/miles on purchases coded as MCC 9402 (Postal Services – Government Only).

Does USPS qualify for grocery credit card bonuses?

USPS uses MCC 9402 (Postal Services – Government Only). This means purchases at USPS do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).