MCC 4812 covers TELECOMMUNICATIONS EQUIPMENT INCLUDING TELEPHONE SALES merchants, classified under utilities. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or utilities category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
AT&T, Verizon, and T-Mobile use MCC 4812 for sales of phones and other telecom equipment. Purchases like smartphones, tablets, and phone accessories get coded here.
Cardholders often think purchases at mobile carriers' retail stores are all utilities-related. However, only specific tech items, not service plans or SIM cards, fall under MCC 4812.
MCC 4812 stands for Telecommunications Equipment including telephone sales. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the utilities category.
Merchants classified under MCC 4812 (Telecommunications Equipment including telephone sales) operate in the utilities sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 4812 (Telecommunications Equipment including telephone sales) is not currently a dedicated bonus category for most major credit cards. For utilities 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 4812 (Telecommunications Equipment including telephone sales). 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 utilities spending.
MCC 4812 is assigned to businesses providing telecommunications equipment including telephone sales services. While this is a less common merchant category, any purchase that posts with code 4812 will be classified as 'Telecommunications Equipment including telephone sales' by your card issuer, which determines whether utilities category bonuses apply to that transaction.
MCC 4812 (Telecommunications Equipment including telephone sales) and MCC 4814 (Fax services, Telecommunication Services) are both in the utilities category but cover distinct merchant types. MCC 4812 is used for telecommunications equipment including telephone sales businesses, while MCC 4814 is assigned to fax services, telecommunication services 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.