MCC 5499 covers MISC. FOOD STORES – CONVENIENCE STORES AND SPECIALTY MARKETS 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.
7-Eleven, Circle K, and Quickie Mart use MCC 5499. This code covers general convenience store purchases like snacks, drinks, and small grocery items.
Cardholders often mistake specialty market items as being coded under different categories. For example, gas station convenience stores are usually classified here, not under fuel services.
MCC 5499 stands for Misc. Food Stores – Convenience Stores and Specialty Markets. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category.
Merchants classified under MCC 5499 (Misc. Food Stores – Convenience Stores and Specialty Markets) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5499 (Misc. Food Stores – Convenience Stores and Specialty Markets) 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 5499 (Misc. Food Stores – Convenience Stores and Specialty Markets). 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 5499 is assigned to businesses providing misc. food stores – convenience stores and specialty markets services. While this is a less common merchant category, any purchase that posts with code 5499 will be classified as 'Misc. Food Stores – Convenience Stores and Specialty Markets' by your card issuer, which determines whether retail category bonuses apply to that transaction.
MCC 5499 (Misc. Food Stores – Convenience Stores and Specialty Markets) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5499 is used for misc. food stores – convenience stores and specialty markets 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.