MCC 5311: Department Stores — Credit Card Bonus Rates
MCC 5311 covers DEPARTMENT STORES merchants, classified under retail. The top card is Shopper Cash Rewards earning 3X. 1 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Real-World Examples: MCC 5311 Merchants
Businesses like Macy's, Sears, and Dillard's use MCC 5311. It covers purchases at department stores for clothing, electronics, and home goods.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 5311 (department stores). Your card issuer uses this code to determine whether retail category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
MCC 5311 vs Similar Codes
Cardholders often误以为所有大型零售店都使用MCC 5311，但像Wal-Mart和Target这样的综合商店通常有自己的分类。
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.
1 Card That Earn Bonus on MCC 5311
Annual Rewards at MCC 5311 Merchants by Spending Level
How much you earn annually from department stores spending (MCC 5311), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 5311 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 5311
Related MCC Codes
MCC 5311 (Department Stores) covers 345 merchants in our database. 1 credit card earn elevated rewards on department stores transactions. The top earning rate is 3x from the Shopper Cash Rewards.
Frequently Asked Questions
What is MCC code 5311? +
MCC 5311 stands for Department Stores. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category. Our database tracks 345 merchants with this code.
What types of businesses use MCC 5311? +
Merchants classified under MCC 5311 (Department Stores) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include Bealls, Belk, Bloomingdale's, Bloomingdale's - Albuquerque.
Which credit cards earn bonus rewards at MCC 5311 merchants? +
The top cards for MCC 5311 (Department Stores) are: Shopper Cash Rewards (3x). These cards earn elevated rates specifically in the retail category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 5311 merchants? +
1 credit card in our database earn elevated rewards on MCC 5311 (Department Stores) purchases. The top rate is 3x from the Shopper Cash Rewards. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 5311? +
MCC 5311 covers 345 merchants in our database, including Bealls, Belk, Bloomingdale's, Bloomingdale's - Albuquerque, and 341 more. All purchases at these merchants post as 'Department Stores' and trigger retail category bonus rates on eligible credit cards.
Does Bealls count as retail for credit card rewards? +
Yes. Bealls is classified under MCC 5311 (Department Stores), which falls in the retail category. Cards with retail bonus categories will apply the elevated earn rate — the top option earns 3x at qualifying merchants in this code.
What is the difference between MCC 5311 and MCC 5013? +
MCC 5311 (Department Stores) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5311 is used for department stores 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.