MCC 5521 covers AUTOMOBILE AND TRUCK DEALERS (USED ONLY) 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.
Businesses like CarMax, AutoNation, and Sonic Automotive use MCC 5521. It codes for purchases at used car dealerships only.
People often think new cars bought from dealers also get this code, but they don't. New cars fall under a different category.
MCC 5521 stands for Automobile and Truck Dealers (Used Only). It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category.
Merchants classified under MCC 5521 (Automobile and Truck Dealers (Used Only)) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5521 (Automobile and Truck Dealers (Used Only)) 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 5521 (Automobile and Truck Dealers (Used Only)). 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 5521 is assigned to businesses providing automobile and truck dealers (used only) services. While this is a less common merchant category, any purchase that posts with code 5521 will be classified as 'Automobile and Truck Dealers (Used Only)' by your card issuer, which determines whether retail category bonuses apply to that transaction.
MCC 5521 (Automobile and Truck Dealers (Used Only)) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5521 is used for automobile and truck dealers (used only) 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.