MCC 9222 covers FINES merchants, classified under government. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or government category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
City parking enforcement, traffic courts, and state agencies use MCC 9222. It codes for fines like parking tickets or late payment penalties.
Cardholders often think they'll earn rewards on legal fees but these are not coded as MCC 9222.
MCC 9222 stands for Fines. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the government category.
Merchants classified under MCC 9222 (Fines) operate in the government sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 9222 (Fines) is not currently a dedicated bonus category for most major credit cards. For government 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 9222 (Fines). 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 government spending.
MCC 9222 is assigned to businesses providing fines services. While this is a less common merchant category, any purchase that posts with code 9222 will be classified as 'Fines' by your card issuer, which determines whether government category bonuses apply to that transaction.
MCC 9222 (Fines) and MCC 9211 (Court Costs, including Alimony and Child Support) are both in the government category but cover distinct merchant types. MCC 9222 is used for fines businesses, while MCC 9211 is assigned to court costs, including alimony and child support 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.