MCC 7278 covers BUYING/SHOPPING SERVICES, CLUBS merchants, classified under lodging. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or lodging category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Businesses like Groupon and LivingSocial use MCC 7278. Purchases for deals, coupons, or memberships from these shopping service providers fall under this category.
Cardholders often误以为购买实物商品的交易会被归类为MCC 7278，实际上这只是针对服务和会员资格等。
MCC 7278 stands for Buying/Shopping Services, Clubs. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the lodging category.
Merchants classified under MCC 7278 (Buying/Shopping Services, Clubs) operate in the lodging sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 7278 (Buying/Shopping Services, Clubs) is not currently a dedicated bonus category for most major credit cards. For lodging 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 7278 (Buying/Shopping Services, Clubs). 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 lodging spending.
MCC 7278 is assigned to businesses providing buying/shopping services, clubs services. While this is a less common merchant category, any purchase that posts with code 7278 will be classified as 'Buying/Shopping Services, Clubs' by your card issuer, which determines whether lodging category bonuses apply to that transaction.
MCC 7278 (Buying/Shopping Services, Clubs) and MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)) are both in the lodging category but cover distinct merchant types. MCC 7278 is used for buying/shopping services, clubs businesses, while MCC 7011 is assigned to lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) 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.