MCC 4815 covers VISAPHONE 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.
VisaPhone MCC includes phone and internet services. AT&T, Verizon, and Comcast are common providers that fall under this code.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 4815 (visaphone). Your card issuer uses this code to determine whether utilities category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
Cardholders often mistake VisaPhone for general utility bills like electricity or gas. Purchases here are strictly for telecom and internet services.
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.
MCC 4815 stands for VisaPhone. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the utilities category.
Merchants classified under MCC 4815 (VisaPhone) operate in the utilities sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 4815 (VisaPhone) 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 4815 (VisaPhone). 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 4815 is assigned to businesses providing visaphone services. While this is a less common merchant category, any purchase that posts with code 4815 will be classified as 'VisaPhone' by your card issuer, which determines whether utilities category bonuses apply to that transaction.
MCC 4815 (VisaPhone) and MCC 4812 (Telecommunications Equipment including telephone sales) are both in the utilities category but cover distinct merchant types. MCC 4815 is used for visaphone businesses, while MCC 4812 is assigned to telecommunications equipment including telephone sales 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.