MCC 8699 covers MEMBERSHIP ORGANIZATIONS ( NOT ELSEWHERE CLASSIFIED) 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.
Examples include Costco and Sam's Club. Purchases like membership fees or annual renewals are coded here.
Cardholders often think their regular shopping at a warehouse club will earn points, but only membership fees qualify.
MCC 8699 stands for Membership Organizations ( Not Elsewhere Classified). It is a four-digit Merchant Category Code used by payment networks to classify businesses in the membership category.
Merchants classified under MCC 8699 (Membership Organizations ( Not Elsewhere Classified)) operate in the membership sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 8699 (Membership Organizations ( Not Elsewhere Classified)) 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 8699 (Membership Organizations ( Not Elsewhere Classified)). 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 8699 is assigned to businesses providing membership organizations ( not elsewhere classified) services. While this is a less common merchant category, any purchase that posts with code 8699 will be classified as 'Membership Organizations ( Not Elsewhere Classified)' by your card issuer, which determines whether membership category bonuses apply to that transaction.
MCC 8699 (Membership Organizations ( Not Elsewhere Classified)) and MCC 8641 (Civic, Fraternal, and Social Associations) are both in the membership category but cover distinct merchant types. MCC 8699 is used for membership organizations ( not elsewhere classified) businesses, while MCC 8641 is assigned to civic, fraternal, and social associations 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.