MCC 4816: Computer Network Services — Credit Card Bonus Rates
MCC 4816 covers COMPUTER NETWORK SERVICES merchants, classified under utilities. The top card is Ink Business Cash earning 5X. 8 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Real-World Examples: MCC 4816 Merchants
Examples include Comcast for internet services and AT&T for phone networks. Purchases like broadband installation and server maintenance fall under this code.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 4816 (computer network services). 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.
MCC 4816 vs Similar Codes
Cardholders often think only telecommunications companies use this MCC, but it also covers tech firms buying network equipment.
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.
8 Cards That Earn Bonus on MCC 4816
Annual Rewards at MCC 4816 Merchants by Spending Level
How much you earn annually from computer network services spending (MCC 4816), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 4816 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 4816
Related MCC Codes
MCC 4816 (Computer Network Services) covers 19 merchants in our database. 8 credit cards earn elevated rewards on computer network services transactions. The top earning rate is 5x from the Ink Business Cash.
Frequently Asked Questions
What is MCC code 4816? +
MCC 4816 stands for Computer Network Services. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the utilities category. Our database tracks 19 merchants with this code.
What types of businesses use MCC 4816? +
Merchants classified under MCC 4816 (Computer Network Services) operate in the utilities sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include AT&T Internet, Backblaze, Box, Carbonite.
Which credit cards earn bonus rewards at MCC 4816 merchants? +
The top cards for MCC 4816 (Computer Network Services) are: Ink Business Cash (10x); Ink Business Preferred (6x); AAdvantage Business World Elite (3x). These cards earn elevated rates specifically in the utilities category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 4816 merchants? +
8 credit cards in our database earn elevated rewards on MCC 4816 (Computer Network Services) purchases. The top rate is 10x from the Ink Business Cash. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 4816? +
MCC 4816 covers 19 merchants in our database, including AT&T Internet, Backblaze, Box, Carbonite, and 15 more. All purchases at these merchants post as 'Computer Network Services' and trigger utilities category bonus rates on eligible credit cards.
Does AT&T Internet count as utilities for credit card rewards? +
Yes. AT&T Internet is classified under MCC 4816 (Computer Network Services), which falls in the utilities category. Cards with utilities bonus categories will apply the elevated earn rate — the top option earns 10x at qualifying merchants in this code.
What is the difference between MCC 4816 and MCC 4812? +
MCC 4816 (Computer Network Services) and MCC 4812 (Telecommunications Equipment including telephone sales) are both in the utilities category but cover distinct merchant types. MCC 4816 is used for computer network services 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.