MCC 5732: Electronic Sales — Credit Card Bonus Rates
MCC 5732 covers ELECTRONIC SALES merchants, classified under home. The top card is Business Platinum earning 1.5X. 1 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Real-World Examples: MCC 5732 Merchants
Grocery stores like Walmart and Target use MCC 5732 for electronic sales transactions. Purchases made with contactless payments or mobile wallets fall under this category.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 5732 (electronic sales). Your card issuer uses this code to determine whether home category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
MCC 5732 vs Similar Codes
Cardholders often mistake purchases from gas stations as falling into this category, but fuel sales have a different MCC code.
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 5732
Annual Rewards at MCC 5732 Merchants by Spending Level
How much you earn annually from electronic sales spending (MCC 5732), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 5732 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 5732
Related MCC Codes
MCC 5732 (Electronic Sales) covers 23 merchants in our database. 1 credit card earn elevated rewards on electronic sales transactions. The top earning rate is 2x from the Business Platinum.
Frequently Asked Questions
What is MCC code 5732? +
MCC 5732 stands for Electronic Sales. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the home category. Our database tracks 23 merchants with this code.
What types of businesses use MCC 5732? +
Merchants classified under MCC 5732 (Electronic Sales) operate in the home sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include Adorama, Apple Store, B&H Photo, B&H Photo Video.
Which credit cards earn bonus rewards at MCC 5732 merchants? +
The top cards for MCC 5732 (Electronic Sales) are: Business Platinum (3x). These cards earn elevated rates specifically in the home category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 5732 merchants? +
1 credit card in our database earn elevated rewards on MCC 5732 (Electronic Sales) purchases. The top rate is 3x from the Business Platinum. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 5732? +
MCC 5732 covers 23 merchants in our database, including Adorama, Apple Store, B&H Photo, B&H Photo Video, and 19 more. All purchases at these merchants post as 'Electronic Sales' and trigger home category bonus rates on eligible credit cards.
Does Adorama count as home for credit card rewards? +
Yes. Adorama is classified under MCC 5732 (Electronic Sales), which falls in the home category. Cards with home 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 5732 and MCC 5712? +
MCC 5732 (Electronic Sales) and MCC 5712 (Furniture, Home Furnishings, and Equipment Stores, ExceptAppliances) are both in the home category but cover distinct merchant types. MCC 5732 is used for electronic sales businesses, while MCC 5712 is assigned to furniture, home furnishings, and equipment stores, exceptappliances 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.