MCC 4900 covers ELECTRIC, GAS, SANITARY AND WATER UTILITIES 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.
Companies like PG&E, Con Edison, and Duke Energy use MCC 4900. This category includes bills for electricity, gas, water, and sanitation services.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 4900 (electric, gas, sanitary and water utilities). 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误以为这个字段需要进一步的信息或示例，但根据给定的规则和上下文，对于MCC 4900（水电煤气等公用事业），常见的误解是人们可能不知道除了直接支付这些服务提供商之外，一些第三方管理平台也可能会使用该MCC代码。
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 4900 stands for Electric, Gas, Sanitary and Water Utilities. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the utilities category.
Merchants classified under MCC 4900 (Electric, Gas, Sanitary and Water Utilities) operate in the utilities sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 4900 (Electric, Gas, Sanitary and Water Utilities) 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 4900 (Electric, Gas, Sanitary and Water Utilities). 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 4900 is assigned to businesses providing electric, gas, sanitary and water utilities services. While this is a less common merchant category, any purchase that posts with code 4900 will be classified as 'Electric, Gas, Sanitary and Water Utilities' by your card issuer, which determines whether utilities category bonuses apply to that transaction.
MCC 4900 (Electric, Gas, Sanitary and Water Utilities) and MCC 4812 (Telecommunications Equipment including telephone sales) are both in the utilities category but cover distinct merchant types. MCC 4900 is used for electric, gas, sanitary and water utilities 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.