Best Credit Card for Boxed in 2026
Boxed is classified under MCC 5999 (Miscellaneous and Specialty Retail Stores). The best card for Boxed purchases is the Altitude Reserve (no annual fee), earning 5x on miscellaneous and specialty retail stores — an effective return of 7.50%.
Does Boxed accept Mastercard? Yes — Boxed accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Boxed, a wholesale club for home delivery, falls under the Miscellaneous and Specialty Retail Stores category (MCC 5999). If you frequently buy bulk items or groceries online, this MCC can be covered by high-earning Shopper cards offering up to 6x points.
Check if your Shopper Cash Rewards card covers Boxed under its rotating bonus categories to potentially earn even more points.
Spending Math
If you spend $200 per month at Boxed with a card that offers 6x points in the Specialty Retail category, you'd earn $144 annually. That's way more than the $24 you'd get from a standard 1% cash-back card.
Boxed purchases are classified under MCC 5999 (Miscellaneous and Specialty Retail Stores).
MCC Details for Boxed
Best Credit Cards for Boxed (2026)
How Boxed Codes on Your Statement
When you pay at Boxed in the app or online, your card issuer sees MCC 5999 in the transaction data. This code tells your bank that the purchase was made at a miscellaneous and specialty retail 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 "miscellaneous and specialty retail stores" purchases, Boxed transactions will qualify — even if your card terms only mention a category name and not Boxed specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Boxed 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 5999 qualifies for bonus rewards.
Bonus Category Match — Boxed
About MCC 5999: Miscellaneous and Specialty Retail Stores
Merchant Category Code 5999 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Miscellaneous and Specialty Retail Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5999, all qualifying card programs that include miscellaneous and specialty retail 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 Miscellaneous and Specialty Retail Stores merchants: AliExpress, Amazon, Amazon.com.
What You Could Earn at Boxed
Spending $200/month at Boxed with the Altitude Reserve (5x on miscellaneous and specialty retail stores) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.
Prefer no annual fee? The Amazon Prime earns 5x at Boxed merchants, earning $120/year with no annual fee.