MCC 4112: Passenger Railways — Credit Card Bonus Rates
MCC 4112 covers PASSENGER RAILWAYS merchants, classified under transportation. The top card is Sapphire Reserve earning 10X. 38 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Real-World Examples: MCC 4112 Merchants
Amtrak, Eurail, and Japan Railways use MCC 4112. Specific purchases include train tickets, dining car expenses, and baggage fees.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 4112 (passenger railways). Your card issuer uses this code to determine whether transportation category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
MCC 4112 vs Similar Codes
Cardholders often misunderstand that airport rail links and subway systems do not qualify under this MCC.
This distinction matters because different MCC codes can trigger different bonus rates on your credit card, even for similar types of merchants. Always check your transaction statement to confirm which MCC posted — some card issuers allow you to see the MCC in their app or online portal.
38 Cards That Earn Bonus on MCC 4112
Annual Rewards at MCC 4112 Merchants by Spending Level
How much you earn annually from passenger railways spending (MCC 4112), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 4112 merchants. Effective value uses current point valuations from our Points Calculator. Annual fee not deducted — see individual card reviews for net value after fee.
Merchants Using MCC 4112
Related MCC Codes
MCC 4112 (Passenger Railways) covers 12 merchants in our database. 38 credit cards earn elevated rewards on passenger railways transactions. The top earning rate is 10x from the Sapphire Reserve.
Frequently Asked Questions
What is MCC code 4112? +
MCC 4112 stands for Passenger Railways. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the transportation category. Our database tracks 12 merchants with this code.
What types of businesses use MCC 4112? +
Merchants classified under MCC 4112 (Passenger Railways) operate in the transportation sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include Amtrak, Deutsche Bahn, Eurostar, Loco2.
Which credit cards earn bonus rewards at MCC 4112 merchants? +
The top cards for MCC 4112 (Passenger Railways) are: Sapphire Reserve (20x); Venture X (15x); Freedom Unlimited (10x). These cards earn elevated rates specifically in the transportation category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 4112 merchants? +
38 credit cards in our database earn elevated rewards on MCC 4112 (Passenger Railways) purchases. The top rate is 20x from the Sapphire Reserve. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 4112? +
MCC 4112 covers 12 merchants in our database, including Amtrak, Deutsche Bahn, Eurostar, Loco2, and 8 more. All purchases at these merchants post as 'Passenger Railways' and trigger transportation category bonus rates on eligible credit cards.
Does Amtrak count as transportation for credit card rewards? +
Yes. Amtrak is classified under MCC 4112 (Passenger Railways), which falls in the transportation category. Cards with transportation bonus categories will apply the elevated earn rate — the top option earns 20x at qualifying merchants in this code.
What is the difference between MCC 4112 and MCC 4011? +
MCC 4112 (Passenger Railways) and MCC 4011 (Railroads) are both in the transportation category but cover distinct merchant types. MCC 4112 is used for passenger railways businesses, while MCC 4011 is assigned to railroads 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.