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Cable and other pay television (previously Cable Services)
Confirmed via network classification
Quick Answer
AT&T is classified under MCC 4899 (Cable and other pay television (previously Cable Services)). The best card for AT&T purchases is the Business Gold ($375/yr annual fee), earning 4x on cable and other pay television (previously cable services) — an effective return of 8.00%.
If you're a heavy AT&T user, this MCC is crucial for maximizing your rewards since cable and TV services are typically covered under the travel or rotating category of cash back cards like Blue Cash Preferred.
Pro Tip
To get the most out of your rewards, make sure to check if your credit card offers rotating categories or travel perks that cover AT&T expenses.
When you pay at AT&T at their locations, your card issuer sees MCC 4899 in the transaction data. This code tells your bank that the purchase was made at a cable and other pay television (previously cable services) merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "cable and other pay television (previously cable services)" purchases, AT&T transactions will qualify — even if your card terms only mention a category name and not AT&T specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any AT&T 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 4899 qualifies for bonus rewards.
About MCC 4899: Cable and other pay television (previously Cable Services)
Merchant Category Code 4899 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Cable and other pay television (previously Cable Services) industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 4899, all qualifying card programs that include cable and other pay television (previously cable services) as a bonus category will apply the elevated earn rate.
The Utilities 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 Cable and other pay television (previously Cable Services) Merchants (MCC 4899)
Spending $200/month at AT&T with the Business Gold (4x on cable and other pay television (previously cable services)) earns approximately $96/year in rewards. A basic 1% card earns $24 on the same spending. After the $375 annual fee, that is $-279 more per year.
Prefer no annual fee? The Autograph earns 3x at AT&T merchants, earning $72/year with no annual fee.
Frequently Asked Questions
What MCC code does AT&T use?
AT&T uses MCC 4899 (Cable and other pay television (previously Cable Services)). This code is assigned by card networks and determines which bonus reward categories apply when you pay at AT&T.
Which credit card earns the most rewards at AT&T?
The Business Gold earns 4x on cable and other pay television (previously cable services) purchases (MCC 4899), making it the highest-earning option at AT&T among the cards we track.
Does my card earn bonus rewards at AT&T?
It depends on your card's bonus categories. If your card earns bonus rewards on cable and other pay television (previously cable services) purchases, AT&T transactions (MCC 4899) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is AT&T classified as cable and other pay television (previously cable services) for credit card purposes?
Yes. AT&T is classified under MCC 4899, which falls in the Cable and other pay television (previously Cable Services) category. This means cards with cable and other pay television (previously cable services) bonus categories will apply the elevated earn rate at AT&T.
What is MCC 4899 and what merchants use it?
MCC 4899 stands for Cable and other pay television (previously Cable Services). It is assigned to businesses that primarily operate in cable, satellite tv, and wireless carriers. Besides AT&T, other merchants in the same MCC include similar businesses in the utilities 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.
