MCC 5944 covers WATCH, CLOCK, JEWELRY, AND SILVERWARE STORES merchants, classified under retail. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or retail category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Stores like Tiffany & Co., Rolex, and Cartier use MCC 5944. Purchases include watches, jewelry, silverware, and luxury accessories.
Cardholders often think all jewelers fall under one category but may not realize that specialized stores for watches and clocks also get this code.
MCC 5944 stands for Watch, Clock, Jewelry, and Silverware Stores. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category.
Merchants classified under MCC 5944 (Watch, Clock, Jewelry, and Silverware Stores) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5944 (Watch, Clock, Jewelry, and Silverware Stores) is not currently a dedicated bonus category for most major credit cards. For retail 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 5944 (Watch, Clock, Jewelry, and Silverware 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 retail spending.
MCC 5944 is assigned to businesses providing watch, clock, jewelry, and silverware stores services. While this is a less common merchant category, any purchase that posts with code 5944 will be classified as 'Watch, Clock, Jewelry, and Silverware Stores' by your card issuer, which determines whether retail category bonuses apply to that transaction.
MCC 5944 (Watch, Clock, Jewelry, and Silverware Stores) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5944 is used for watch, clock, jewelry, and silverware stores businesses, while MCC 5013 is assigned to motor vehicle supplies and new parts 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.