MCC 5099 covers DURABLE GOODS, NOT ELSEWHERE CLASSIFIED 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.
Examples include Walmart for furniture, Lowe's for home appliances, and Best Buy for electronics. These purchases fall under MCC 5099 as they are durable goods not fitting into more specific categories.
Cardholders might think all retail purchases are coded here but only those non-classified durable goods qualify.
MCC 5099 stands for Durable Goods, Not Elsewhere Classified. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category.
Merchants classified under MCC 5099 (Durable Goods, Not Elsewhere Classified) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5099 (Durable Goods, Not Elsewhere Classified) 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 5099 (Durable Goods, Not Elsewhere Classified). 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 5099 is assigned to businesses providing durable goods, not elsewhere classified services. While this is a less common merchant category, any purchase that posts with code 5099 will be classified as 'Durable Goods, Not Elsewhere Classified' by your card issuer, which determines whether retail category bonuses apply to that transaction.
MCC 5099 (Durable Goods, Not Elsewhere Classified) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5099 is used for durable goods, not elsewhere classified 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.