MCC 5818: Digital Goods: Large Digital Goods Merchant — Credit Card Bonus Rates
MCC 5818 covers DIGITAL GOODS: LARGE DIGITAL GOODS MERCHANT merchants, classified under digital. The top card is Sapphire Preferred earning 3X. 12 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Real-World Examples: MCC 5818 Merchants
Companies like Apple, Amazon, and Spotify use MCC 5818. Purchases of ebooks, music downloads, and app store credits fall under this category.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 5818 (digital goods: large digital goods merchant). 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 5818 vs Similar Codes
Cardholders often misunderstand that physical goods purchases from online stores don't qualify for this 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.
12 Cards That Earn Bonus on MCC 5818
Annual Rewards at MCC 5818 Merchants by Spending Level
How much you earn annually from digital goods: large digital goods merchant spending (MCC 5818), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 5818 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 5818
Related MCC Codes
MCC 5818 (Digital Goods: Large Digital Goods Merchant) covers 3 merchants in our database. 12 credit cards earn elevated rewards on digital goods: large digital goods merchant transactions. The top earning rate is 3x from the Sapphire Preferred.
Frequently Asked Questions
What is MCC code 5818? +
MCC 5818 stands for Digital Goods: Large Digital Goods Merchant. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the digital category. Our database tracks 3 merchants with this code.
What types of businesses use MCC 5818? +
Merchants classified under MCC 5818 (Digital Goods: Large Digital Goods Merchant) operate in the digital sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include Adobe Creative Cloud, Getty Images, Shutterstock.
Which credit cards earn bonus rewards at MCC 5818 merchants? +
The top cards for MCC 5818 (Digital Goods: Large Digital Goods Merchant) are: Sapphire Preferred (6x); Ink Business Preferred (6x); Blue Cash 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 5818 merchants? +
12 credit cards in our database earn elevated rewards on MCC 5818 (Digital Goods: Large Digital Goods Merchant) purchases. The top rate is 6x from the Sapphire Preferred. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 5818? +
MCC 5818 covers 3 merchants in our database, including Adobe Creative Cloud, Getty Images, Shutterstock. All purchases at these merchants post as 'Digital Goods: Large Digital Goods Merchant' and trigger digital category bonus rates on eligible credit cards.
Does Adobe Creative Cloud count as digital for credit card rewards? +
Yes. Adobe Creative Cloud is classified under MCC 5818 (Digital Goods: Large Digital Goods Merchant), which falls in the digital category. Cards with digital bonus categories will apply the elevated earn rate — the top option earns 6x at qualifying merchants in this code.
What is the difference between MCC 5818 and MCC 5815? +
MCC 5818 (Digital Goods: Large Digital Goods Merchant) and MCC 5815 (Digital Goods: Media, Books, Movies, Music) are both in the digital category but cover distinct merchant types. MCC 5818 is used for digital goods: large digital goods merchant 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.