MCC 5940 covers BICYCLE SHOPS – SALES AND SERVICE 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.
Local bike shops like Trek Bicycle Store, Specialized Bicycles, and REI sell bikes, gear, and offer repair services. Purchases of these items and services are coded under MCC 5940.
Cardholders sometimes think purchases at general sports stores for cycling gear also count towards bike shop rewards but they typically don't.
MCC 5940 stands for Bicycle Shops – Sales and Service. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the other category.
Merchants classified under MCC 5940 (Bicycle Shops – Sales and Service) operate in the other sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5940 (Bicycle Shops – Sales and Service) 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 5940 (Bicycle Shops – Sales and Service). 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 5940 is assigned to businesses providing bicycle shops – sales and service services. While this is a less common merchant category, any purchase that posts with code 5940 will be classified as 'Bicycle Shops – Sales and Service' by your card issuer, which determines whether other category bonuses apply to that transaction.
MCC 5940 (Bicycle Shops – Sales and Service) and MCC 5832 (Antique Shops – Sales, Repairs, and Restoration Services) are both in the other category but cover distinct merchant types. MCC 5940 is used for bicycle shops – sales and service 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.