MCC 5734: Computer Software Stores — Credit Card Bonus Rates
MCC 5734 covers COMPUTER SOFTWARE STORES merchants, classified under software. The top card is Brex earning 2X. 2 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Real-World Examples: MCC 5734 Merchants
Computer Software Stores include big names like Microsoft Store, Best Buy's gaming and tech section, and local electronics shops. Purchases here code as software downloads, hardware drivers, or game keys.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 5734 (computer software stores). Your card issuer uses this code to determine whether software category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
MCC 5734 vs Similar Codes
Cardholders often think buying a computer from an electronics store gets coded under this MCC when it actually goes into the general retail category.
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.
2 Cards That Earn Bonus on MCC 5734
Annual Rewards at MCC 5734 Merchants by Spending Level
How much you earn annually from computer software stores spending (MCC 5734), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 5734 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 5734
Related MCC Codes
MCC 5734 (Computer Software Stores) covers 23 merchants in our database. 2 credit cards earn elevated rewards on computer software stores transactions. The top earning rate is 2x from the Brex.
Frequently Asked Questions
What is MCC code 5734? +
MCC 5734 stands for Computer Software Stores. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the software category. Our database tracks 23 merchants with this code.
What types of businesses use MCC 5734? +
Merchants classified under MCC 5734 (Computer Software Stores) operate in the software sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include 1Password, Acer Store, Adobe Creative Cloud, Amazon Electronics.
Which credit cards earn bonus rewards at MCC 5734 merchants? +
The top cards for MCC 5734 (Computer Software Stores) are: Brex (3x); Business Platinum (3x). These cards earn elevated rates specifically in the software category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 5734 merchants? +
2 credit cards in our database earn elevated rewards on MCC 5734 (Computer Software Stores) purchases. The top rate is 3x from the Brex. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 5734? +
MCC 5734 covers 23 merchants in our database, including 1Password, Acer Store, Adobe Creative Cloud, Amazon Electronics, and 19 more. All purchases at these merchants post as 'Computer Software Stores' and trigger software category bonus rates on eligible credit cards.
Does 1Password count as software for credit card rewards? +
Yes. 1Password is classified under MCC 5734 (Computer Software Stores), which falls in the software category. Cards with software 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 5734 and MCC 5735? +
MCC 5734 (Computer Software Stores) and MCC 5735 (Record Shops) are both in the software category but cover distinct merchant types. MCC 5734 is used for computer software stores businesses, while MCC 5735 is assigned to record shops 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.