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Apple TV+ is classified under MCC 5815 (Digital Goods: Media, Books, Movies, Music). The best card for Apple TV+ purchases is the Savor (no annual fee), earning 8x on digital goods: media, books, movies, music — an effective return of 8.00%.
Apple TV+ falls under the MCC 5815, which is covered by travel and cash back cards like Savor. This means you can earn significant rewards on your streaming service subscriptions.
Pro Tip
Maximize your earnings by setting up autopay for Apple TV+ with a rewards card that offers high-tier points or cash back on digital media purchases.
When you pay at Apple TV+ in the app or online, your card issuer sees MCC 5815 in the transaction data. This code tells your bank that the purchase was made at a digital goods: media, books, movies, music merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "digital goods: media, books, movies, music" purchases, Apple TV+ transactions will qualify — even if your card terms only mention a category name and not Apple TV+ specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Apple TV+ 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 5815 qualifies for bonus rewards.
About MCC 5815: Digital Goods: Media, Books, Movies, Music
Merchant Category Code 5815 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Digital Goods: Media, Books, Movies, Music industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5815, all qualifying card programs that include digital goods: media, books, movies, music as a bonus category will apply the elevated earn rate.
The Digital 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 Digital Goods: Media, Books, Movies, Music Merchants (MCC 5815)
Spending $200/month at Apple TV+ with the Savor (8x on digital goods: media, books, movies, music) earns approximately $192/year in rewards. A basic 1% card earns $24 on the same spending. That is $168 more per year with no annual fee.
Prefer no annual fee? The Autograph earns 3x at Apple TV+ merchants, earning $72/year with no annual fee.
Frequently Asked Questions
What MCC code does Apple TV+ use?
Apple TV+ uses MCC 5815 (Digital Goods: Media, Books, Movies, Music). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Apple TV+.
Which credit card earns the most rewards at Apple TV+?
The Savor earns 8x on digital goods: media, books, movies, music purchases (MCC 5815), making it the highest-earning option at Apple TV+ among the cards we track.
Does my card earn bonus rewards at Apple TV+?
It depends on your card's bonus categories. If your card earns bonus rewards on digital goods: media, books, movies, music purchases, Apple TV+ transactions (MCC 5815) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Apple TV+ classified as digital goods: media, books, movies, music for credit card purposes?
Yes. Apple TV+ is classified under MCC 5815, which falls in the Digital Goods: Media, Books, Movies, Music category. This means cards with digital goods: media, books, movies, music bonus categories will apply the elevated earn rate at Apple TV+.
What is MCC 5815 and what merchants use it?
MCC 5815 stands for Digital Goods: Media, Books, Movies, Music. It is assigned to businesses that primarily operate in digital streaming video subscriptions. Besides Apple TV+, other merchants in the same MCC include similar businesses in the digital industry group.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: March 16, 2026.
Full methodology: www.pointspick.com/methodology.
