MCC 5816: Digital Goods: Games — Credit Card Bonus Rates
MCC 5816 covers DIGITAL GOODS: GAMES merchants, classified under digital. The top card is Xbox earning 5X. 13 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Real-World Examples: MCC 5816 Merchants
Purchases from Steam, Xbox Live, and PlayStation Network fall under MCC 5816. This includes game downloads, in-game items, and subscriptions.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 5816 (digital goods: games). Your card issuer uses this code to determine whether digital category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
MCC 5816 vs Similar Codes
Cardholders often误以为仅在线游戏购买会被分类，但实体店内购买预付费卡也会被归类于此MCC。
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.
13 Cards That Earn Bonus on MCC 5816
Annual Rewards at MCC 5816 Merchants by Spending Level
How much you earn annually from digital goods: games spending (MCC 5816), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 5816 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 5816
Related MCC Codes
MCC 5816 (Digital Goods: Games) covers 17 merchants in our database. 13 credit cards earn elevated rewards on digital goods: games transactions. The top earning rate is 5x from the Xbox.
Frequently Asked Questions
What is MCC code 5816? +
MCC 5816 stands for Digital Goods: Games. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the digital category. Our database tracks 17 merchants with this code.
What types of businesses use MCC 5816? +
Merchants classified under MCC 5816 (Digital Goods: Games) operate in the digital sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include Amazon Music, Apple Music, Audible, Deezer.
Which credit cards earn bonus rewards at MCC 5816 merchants? +
The top cards for MCC 5816 (Digital Goods: Games) are: Xbox (8x); Ink Business Preferred (6x); Sapphire Preferred (6x). These cards earn elevated rates specifically in the digital category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 5816 merchants? +
13 credit cards in our database earn elevated rewards on MCC 5816 (Digital Goods: Games) purchases. The top rate is 8x from the Xbox. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 5816? +
MCC 5816 covers 17 merchants in our database, including Amazon Music, Apple Music, Audible, Deezer, and 13 more. All purchases at these merchants post as 'Digital Goods: Games' and trigger digital category bonus rates on eligible credit cards.
Does Amazon Music count as digital for credit card rewards? +
Yes. Amazon Music is classified under MCC 5816 (Digital Goods: Games), which falls in the digital category. Cards with digital bonus categories will apply the elevated earn rate — the top option earns 8x at qualifying merchants in this code.
What is the difference between MCC 5816 and MCC 5815? +
MCC 5816 (Digital Goods: Games) and MCC 5815 (Digital Goods: Media, Books, Movies, Music) are both in the digital category but cover distinct merchant types. MCC 5816 is used for digital goods: games businesses, while MCC 5815 is assigned to digital goods: media, books, movies, music 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.