Plus: the best credit cards to use at Xbox Game Pass for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Xbox Game Pass uses MCC code 5816 (Digital Goods: Games). The best credit card is the Blue Cash Preferred (Morgan Stanley), earning 6x rewards on this category.
Xbox Game Pass transactions are processed under MCC 5816 (Digital Goods: Games, category: digital). 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 |
| Xbox | 5x | No annual fee | Barclays | Apply Now |
| Autograph | 3x | No annual fee | Wells Fargo | Apply Now |
| Blue Cash Everyday | 3x | No annual fee | American Express | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
Xbox Game Pass uses MCC code 5816, which is classified as "Digital Goods: Games". This determines which credit card bonus categories apply to purchases at Xbox Game Pass.
The best credit card at Xbox Game Pass is the Blue Cash Preferred (Morgan Stanley), which earns 6x points/miles on purchases coded as MCC 5816 (Digital Goods: Games).
Xbox Game Pass uses MCC 5816 (Digital Goods: Games). This means purchases at Xbox Game Pass do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).