Best Credit Card for B&H Photo in 2026
B&H Photo is classified under MCC 5732 (Electronic Sales). The best card for B&H Photo purchases is the Business Platinum ($695/yr annual fee), earning 2x on electronic sales — an effective return of 3.00%.
B&H Photo is a goldmine for business credit cards, especially those in the premium category like the Business Platinum Card from American Express, which offers generous rewards on electronics purchases.
To maximize your rewards, consider setting up automatic payments for recurring orders at B&H Photo through your Business Platinum Card.
Spending Math
If you spend $200 a month at B&H Photo with a Business Platinum card earning 2x points, it's like getting an extra $36 back each year compared to a basic 1% cashback card that only nets you $24.
B&H Photo purchases are classified under MCC 5732 (Electronic Sales). If you spend frequently here, see our best cards for home.
MCC Details for B&H Photo
Best Credit Cards for B&H Photo (2026)
How B&H Photo Codes on Your Statement
When you pay at B&H Photo at their locations, your card issuer sees MCC 5732 in the transaction data. This code tells your bank that the purchase was made at a electronic sales merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "electronic sales" purchases, B&H Photo transactions will qualify — even if your card terms only mention a category name and not B&H Photo specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any B&H Photo 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 5732 qualifies for bonus rewards.
Bonus Category Match — B&H Photo
About MCC 5732: Electronic Sales
Merchant Category Code 5732 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Electronic Sales industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5732, all qualifying card programs that include electronic sales as a bonus category will apply the elevated earn rate.
The Home 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 Electronic Sales merchants: Adorama, Apple Store, B&H Photo Video.
What You Could Earn at B&H Photo
Spending $200/month at B&H Photo with the Business Platinum (2x on electronic sales) earns approximately $36/year in rewards. A basic 1% card earns $24 on the same spending. After the $695 annual fee, that is $-659 more per year.