Free Credit Card MCC Data API

Static JSON files. No auth. No rate limits. No signup. 981 MCC endpoints + 1,540 merchant endpoints.

curl "https://www.pointspick.com/api/mcc/5411.json"

Endpoints

Response Format

MCC Endpoint — /api/mcc/5411.json

{
  "code": "5411",
  "description": "Grocery Stores - Supermarkets",
  "category_group": "grocery",
  "merchant_count": 42,
  "top_cards": [
    {"slug": "blue-cash-preferred", "name": "Amex Blue Cash Preferred",
      "bonus_rate": 6.0, "issuer": "American Express"}
  ],
  "pointspick_url": "https://www.pointspick.com/mcc/5411",
  "last_updated": "2026-03-07"
}

Merchant Endpoint — /api/merchant/starbucks.json

{
  "slug": "starbucks",
  "name": "Starbucks",
  "mcc_code": "5814",
  "mcc_description": "Fast Food Restaurants",
  "category_group": "dining",
  "top_card": {"slug": "sapphire-preferred", "name": "Chase Sapphire Preferred", "rate": 3.0},
  "pointspick_url": "https://www.pointspick.com/merchant/starbucks",
  "last_updated": "2026-03-07"
}

Code Examples

JavaScript (fetch)

const res = await fetch("https://www.pointspick.com/api/mcc/5814.json");
const data = await res.json();
console.log(data.top_cards[0].name); // top card for restaurants

Curl — Merchant lookup

curl "https://www.pointspick.com/api/merchant/starbucks.json"

Search index with jq

curl "https://www.pointspick.com/api/search.json" | jq '.[] | select(.type == "mcc")'

Notes

• All files are static JSON — served directly from Vercel CDN with global edge caching.
• No authentication required. No API keys. No rate limits.
• CORS headers are set: Access-Control-Allow-Origin: *
• Data updated monthly. Check last_updated field for freshness.
• For bulk downloads, use the CSV files on the Statistics page.
• Attribution required when publishing derived data — link to PointsPick.