MCC 9405 covers INTRA – GOVERNMENT TRANSACTIONS 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.
The Department of Defense, Internal Revenue Service, and Veterans Affairs use MCC 9405. Specific purchases include defense contracts and federal tax payments.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 9405 (intra – government transactions). Your card issuer uses this code to determine whether government category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
Cardholders often误以为只有国防相关的交易会被编码为MCC 9405，实际上包括所有政府内部的财务交易。
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 9405 stands for Intra – Government Transactions. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the government category.
Merchants classified under MCC 9405 (Intra – Government Transactions) operate in the government sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 9405 (Intra – Government Transactions) 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 9405 (Intra – Government Transactions). 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 9405 is assigned to businesses providing intra – government transactions services. While this is a less common merchant category, any purchase that posts with code 9405 will be classified as 'Intra – Government Transactions' by your card issuer, which determines whether government category bonuses apply to that transaction.
MCC 9405 (Intra – Government Transactions) and MCC 9211 (Court Costs, including Alimony and Child Support) are both in the government category but cover distinct merchant types. MCC 9405 is used for intra – government transactions 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.