MCC 5094 covers PRECIOUS STONES AND METALS, WATCHES AND JEWELRY merchants, classified under retail. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or retail category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Tiffany & Co., Cartier, and Rolex use MCC 5094. This code covers all jewelry, precious metals, watches, and gemstone purchases.
Cardholders often mistake general department store credit card charges for this category when the purchase is not specifically related to luxury items or precious stones.
MCC 5094 stands for Precious Stones and Metals, Watches and Jewelry. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category.
Merchants classified under MCC 5094 (Precious Stones and Metals, Watches and Jewelry) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5094 (Precious Stones and Metals, Watches and Jewelry) is not currently a dedicated bonus category for most major credit cards. For retail 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 5094 (Precious Stones and Metals, Watches and Jewelry). 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 retail spending.
MCC 5094 is assigned to businesses providing precious stones and metals, watches and jewelry services. While this is a less common merchant category, any purchase that posts with code 5094 will be classified as 'Precious Stones and Metals, Watches and Jewelry' by your card issuer, which determines whether retail category bonuses apply to that transaction.
MCC 5094 (Precious Stones and Metals, Watches and Jewelry) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5094 is used for precious stones and metals, watches and jewelry businesses, while MCC 5013 is assigned to motor vehicle supplies and new parts 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.