Best Credit Card for Advance Auto Parts in 2026
Advance Auto Parts is classified under MCC 5533 (Automotive Parts, Accessories Stores). The best card for Advance Auto Parts purchases is the Active Cash (no annual fee), earning 2x on automotive parts, accessories stores — an effective return of 2.00%.
If you're into car maintenance or racing, Advance Auto Parts is your go-to for parts and accessories. Cards that cover auto-related spending in category 5533 can offer better rewards here.
For extra rewards, use your category-specific auto parts card whenever you buy essential items like filters or spark plugs.
Advance Auto Parts purchases are classified under MCC 5533 (Automotive Parts, Accessories Stores).
MCC Details for Advance Auto Parts
Best Credit Cards for Advance Auto Parts (2026)
How Advance Auto Parts Codes on Your Statement
When you pay at Advance Auto Parts at their locations, your card issuer sees MCC 5533 in the transaction data. This code tells your bank that the purchase was made at a automotive parts, accessories stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "automotive parts, accessories stores" purchases, Advance Auto Parts transactions will qualify — even if your card terms only mention a category name and not Advance Auto Parts specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Advance Auto Parts transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5533 qualifies for bonus rewards.
Bonus Category Match — Advance Auto Parts
About MCC 5533: Automotive Parts, Accessories Stores
Merchant Category Code 5533 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Automotive Parts, Accessories Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5533, all qualifying card programs that include automotive parts, accessories stores as a bonus category will apply the elevated earn rate.
The Retail industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Automotive Parts, Accessories Stores merchants: AutoZone, NAPA Auto Parts, O'Reilly Auto Parts.
What You Could Earn at Advance Auto Parts
Spending $200/month at Advance Auto Parts with the Active Cash (2x on automotive parts, accessories stores) earns approximately $48/year in rewards. A basic 1% card earns $24 on the same spending. That is $24 more per year with no annual fee.
Prefer no annual fee? The Signify Business Cash earns 2x at Advance Auto Parts merchants, earning $48/year with no annual fee.