MCC 5960 covers DIRECT MARKETING- INSURANCE SERVICE 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.
Companies like Geico, State Farm, and Allstate use MCC 5960. This code covers specific insurance transactions including car, home, and life insurance purchases.
Cardholders often think this MCC only applies to car insurance but it includes all types of insurance services.
MCC 5960 stands for Direct Marketing- Insurance Service. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category.
Merchants classified under MCC 5960 (Direct Marketing- Insurance Service) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5960 (Direct Marketing- Insurance Service) 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 5960 (Direct Marketing- Insurance 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 retail spending.
MCC 5960 is assigned to businesses providing direct marketing- insurance service services. While this is a less common merchant category, any purchase that posts with code 5960 will be classified as 'Direct Marketing- Insurance Service' by your card issuer, which determines whether retail category bonuses apply to that transaction.
MCC 5960 (Direct Marketing- Insurance Service) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5960 is used for direct marketing- insurance service 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.