MCC 1520 covers GENERAL CONTRACTORS-RESIDENTIAL AND COMMERCIAL merchants, classified under contracted services. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or contracted services category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
General Contractors often use this MCC. Companies like ABC Builders, XYZ Construction, and Green Leaf Homes would be coded here for expenses like materials and labor.
Cardholders might think home improvement stores like Lowe's or Home Depot fall under this category, but they don't. Purchases there are typically coded differently.
MCC 1520 stands for General Contractors-Residential and Commercial. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the contracted_services category.
Merchants classified under MCC 1520 (General Contractors-Residential and Commercial) operate in the contracted_services sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 1520 (General Contractors-Residential and Commercial) is not currently a dedicated bonus category for most major credit cards. For contracted_services spending at these merchants, a flat-rate rewards card (1.5–2% on all purchases) is typically your most reliable option. Use our MCC Lookup Tool to find the best card for any specific merchant.
Currently, no credit cards in our database have a dedicated bonus category for MCC 1520 (General Contractors-Residential and Commercial). Most purchases posting with this code will earn base rewards (typically 1–1.5x on everyday cards). A flat-rate cashback card is the most predictable choice for contracted_services spending.
MCC 1520 is assigned to businesses providing general contractors-residential and commercial services. While this is a less common merchant category, any purchase that posts with code 1520 will be classified as 'General Contractors-Residential and Commercial' by your card issuer, which determines whether contracted_services category bonuses apply to that transaction.
MCC 1520 (General Contractors-Residential and Commercial) and MCC 1711 (Air Conditioning Contractors – Sales and Installation, Heating Contractors – Sales, Service, Installation) are both in the contracted_services category but cover distinct merchant types. MCC 1520 is used for general contractors-residential and commercial businesses, while MCC 1711 is assigned to air conditioning contractors – sales and installation, heating contractors – sales, service, installation merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.