MCC 5931 covers USED MERCHANDISE AND SECONDHAND STORES merchants, classified under other. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or other category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Thrift stores like Value Village and Salvation Army use MCC 5931. So do online platforms selling used items, such as eBay or Poshmark.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 5931 (used merchandise and secondhand stores). Your card issuer uses this code to determine whether other category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
Cardholders often think buying new clothes at a regular retail store will earn rewards under this category, but it's for secondhand purchases only.
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.
MCC 5931 stands for Used Merchandise and Secondhand Stores. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the other category.
Merchants classified under MCC 5931 (Used Merchandise and Secondhand Stores) operate in the other sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5931 (Used Merchandise and Secondhand Stores) is not currently a dedicated bonus category for most major credit cards. For other 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 5931 (Used Merchandise and Secondhand Stores). 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 other spending.
MCC 5931 is assigned to businesses providing used merchandise and secondhand stores services. While this is a less common merchant category, any purchase that posts with code 5931 will be classified as 'Used Merchandise and Secondhand Stores' by your card issuer, which determines whether other category bonuses apply to that transaction.
MCC 5931 (Used Merchandise and Secondhand Stores) and MCC 5832 (Antique Shops – Sales, Repairs, and Restoration Services) are both in the other category but cover distinct merchant types. MCC 5931 is used for used merchandise and secondhand stores businesses, while MCC 5832 is assigned to antique shops – sales, repairs, and restoration services 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.