Best Credit Card for Building 19 in 2026
Building 19 is classified under MCC 5331 (Variety Stores). The best card for Building 19 purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 6x on variety stores — an effective return of 6.00%.
Building 19, often a local convenience store or variety shop, is covered under the Shopper Cash Rewards category of many credit cards, making it a great place to rack up points and cash back.
Check if your local dollar store or convenience mart is classified under Building 19's MCC for max rewards.
Building 19 purchases are classified under MCC 5331 (Variety Stores).
MCC Details for Building 19
Best Credit Cards for Building 19 (2026)
How Building 19 Codes on Your Statement
When you pay at Building 19 at their locations, your card issuer sees MCC 5331 in the transaction data. This code tells your bank that the purchase was made at a variety 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 "variety stores" purchases, Building 19 transactions will qualify — even if your card terms only mention a category name and not Building 19 specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Building 19 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 5331 qualifies for bonus rewards.
Bonus Category Match — Building 19
About MCC 5331: Variety Stores
Merchant Category Code 5331 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Variety Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5331, all qualifying card programs that include variety 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 Variety Stores merchants: 99 Cents Only Stores, Big Lots, Burlington.
What You Could Earn at Building 19
Spending $200/month at Building 19 with the Shopper Cash Rewards (6x on variety stores) earns approximately $144/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $49 more per year.