MCC 8641 covers CIVIC, FRATERNAL, AND SOCIAL ASSOCIATIONS merchants, classified under membership. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or membership category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Local Rotary Clubs, Kiwanis International, and the Lions Club use MCC 8641. This code applies to dues, event fees, and supplies for civic and social group activities.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 8641 (civic, fraternal, and social associations). Your card issuer uses this code to determine whether membership category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
Cardholders often think their charitable donations go here when they're actually coded under a different category.
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 8641 stands for Civic, Fraternal, and Social Associations. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the membership category.
Merchants classified under MCC 8641 (Civic, Fraternal, and Social Associations) operate in the membership sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 8641 (Civic, Fraternal, and Social Associations) is not currently a dedicated bonus category for most major credit cards. For membership 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 8641 (Civic, Fraternal, and Social Associations). 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 membership spending.
MCC 8641 is assigned to businesses providing civic, fraternal, and social associations services. While this is a less common merchant category, any purchase that posts with code 8641 will be classified as 'Civic, Fraternal, and Social Associations' by your card issuer, which determines whether membership category bonuses apply to that transaction.
MCC 8641 (Civic, Fraternal, and Social Associations) and MCC 8651 (Political Organizations) are both in the membership category but cover distinct merchant types. MCC 8641 is used for civic, fraternal, and social associations businesses, while MCC 8651 is assigned to political organizations 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.