MCC 5699 covers MISCELLANEOUS APPAREL AND ACCESSORY 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.
Purchases at stores like American Eagle, H&M, and Zara are coded under MCC 5699. This includes clothing, shoes, and accessories but not specialized items from other categories.
Cardholders often mistake specialty retailers for general apparel shops. For example, a transaction at a store that sells only sports equipment would not be coded as 5699.
MCC 5699 stands for Miscellaneous Apparel and Accessory Shops. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the apparel category.
Merchants classified under MCC 5699 (Miscellaneous Apparel and Accessory Shops) operate in the apparel sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5699 (Miscellaneous Apparel and Accessory 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 5699 (Miscellaneous Apparel and Accessory 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 5699 is assigned to businesses providing miscellaneous apparel and accessory shops services. While this is a less common merchant category, any purchase that posts with code 5699 will be classified as 'Miscellaneous Apparel and Accessory Shops' by your card issuer, which determines whether apparel category bonuses apply to that transaction.
MCC 5699 (Miscellaneous Apparel and Accessory 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 5699 is used for miscellaneous apparel and accessory 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.