Best Credit Card for Depop in 2026
Depop is classified under MCC 5999 (Miscellaneous and Specialty Retail Stores). The best card for Depop purchases is the Altitude Reserve (no annual fee), earning 5x on miscellaneous and specialty retail stores — an effective return of 7.50%.
Does Depop accept Mastercard? Yes — Depop accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Depop, a unique platform for buying and selling secondhand items, falls under the Miscellaneous Retail Stores (MCC 5999) category. This makes it eligible for rewards with cards that offer extra points or cash back in specialty retail.
To maximize your rewards, link your Depop payments through a service that boosts cash back for specialty retailers like Depop.
Spending Math
If you spend $200 per month on Depop using a card offering Shopper Cash Rewards at 6x, you'd earn $144 annually compared to just $24 from a standard 1% rewards card. That's a big difference!
Depop purchases are classified under MCC 5999 (Miscellaneous and Specialty Retail Stores).
MCC Details for Depop
Best Credit Cards for Depop (2026)
How Depop Codes on Your Statement
When you pay at Depop 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, Depop transactions will qualify — even if your card terms only mention a category name and not Depop specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Depop 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 — Depop
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 Depop
Spending $200/month at Depop 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 Depop merchants, earning $120/year with no annual fee.