MCC 4829 covers MONEY ORDERS – WIRE TRANSFER 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.
Walmart and CVS often sell money orders at their counters. Wire transfer services like Western Union also use this code for transactions.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 4829 (money orders – wire transfer). 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 might think all bank fees go here, but only specific wire transfers and money order purchases are coded as MCC 4829.
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 4829 stands for Money Orders – Wire Transfer. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the utilities category.
Merchants classified under MCC 4829 (Money Orders – Wire Transfer) operate in the utilities sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 4829 (Money Orders – Wire Transfer) 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 4829 (Money Orders – Wire Transfer). 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 4829 is assigned to businesses providing money orders – wire transfer services. While this is a less common merchant category, any purchase that posts with code 4829 will be classified as 'Money Orders – Wire Transfer' by your card issuer, which determines whether utilities category bonuses apply to that transaction.
MCC 4829 (Money Orders – Wire Transfer) and MCC 4812 (Telecommunications Equipment including telephone sales) are both in the utilities category but cover distinct merchant types. MCC 4829 is used for money orders – wire transfer 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.