MCC 5631 covers WOMEN’S ACCESSORY AND SPECIALTY SHOPS merchants, classified under apparel. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or apparel category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Burberry, Coach, and Michael Kors use MCC 5631. This code covers purchases of women's accessories like handbags, scarves, and jewelry.
Cardholders often think shoe purchases fall under this category. Shoes are actually coded separately in a different MCC.
MCC 5631 stands for Women’s Accessory and Specialty Shops. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the apparel category.
Merchants classified under MCC 5631 (Women’s Accessory and Specialty Shops) operate in the apparel sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5631 (Women’s Accessory and Specialty Shops) is not currently a dedicated bonus category for most major credit cards. For apparel 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 5631 (Women’s Accessory and Specialty Shops). 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 apparel spending.
MCC 5631 is assigned to businesses providing women’s accessory and specialty shops services. While this is a less common merchant category, any purchase that posts with code 5631 will be classified as 'Women’s Accessory and Specialty Shops' by your card issuer, which determines whether apparel category bonuses apply to that transaction.
MCC 5631 (Women’s Accessory and Specialty Shops) and MCC 5611 (Men’s and Boy’s Clothing and Accessories Stores) are both in the apparel category but cover distinct merchant types. MCC 5631 is used for women’s accessory and specialty shops businesses, while MCC 5611 is assigned to men’s and boy’s clothing and accessories stores 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.