Best Credit Card for Books-A-Million in 2026
Books-A-Million is classified under MCC 5942 (Book Stores). The best card for Books-A-Million purchases is the Active Cash (no annual fee), earning 2x on book stores — an effective return of 2.00%.
Book stores like Books-A-Million are great for card rewards if your card offers higher rates at retail or bookstores. Look for cards that cover MCCs related to these categories.
Maximize your rewards by using cards that offer bonus categories for bookstores or retail. Check if Books-A-Million qualifies under these categories.
Books-A-Million purchases are classified under MCC 5942 (Book Stores).
MCC Details for Books-A-Million
Best Credit Cards for Books-A-Million (2026)
How Books-A-Million Codes on Your Statement
When you pay at Books-A-Million at their locations, your card issuer sees MCC 5942 in the transaction data. This code tells your bank that the purchase was made at a book 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 "book stores" purchases, Books-A-Million transactions will qualify — even if your card terms only mention a category name and not Books-A-Million specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Books-A-Million 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 5942 qualifies for bonus rewards.
Bonus Category Match — Books-A-Million
About MCC 5942: Book Stores
Merchant Category Code 5942 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Book Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5942, all qualifying card programs that include book stores as a bonus category will apply the elevated earn rate.
The Bookstore 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 Book Stores merchants: Barnes & Noble, Half Price Books.
What You Could Earn at Books-A-Million
Spending $200/month at Books-A-Million with the Active Cash (2x on book 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 Books-A-Million merchants, earning $48/year with no annual fee.