Best Credit Card for DollarTree.com in 2026
DollarTree.com is classified under MCC 5331 (Variety Stores). The best card for DollarTree.com purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 6x on variety stores — an effective return of 6.00%.
DollarTree.com, a variety store MCC (5331), is covered under the Shopper Cash Rewards program for 6x points on purchases, making it an ideal place to earn extra rewards if you shop there often.
Maximize your rewards by timing big purchases during the month when you have enough points or cash back to hit the next tier.
DollarTree.com purchases are classified under MCC 5331 (Variety Stores).
MCC Details for DollarTree.com
Best Credit Cards for DollarTree.com (2026)
How DollarTree.com Codes on Your Statement
When you pay at DollarTree.com 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, DollarTree.com transactions will qualify — even if your card terms only mention a category name and not DollarTree.com specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any DollarTree.com 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 — DollarTree.com
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, Building 19.
What You Could Earn at DollarTree.com
Spending $200/month at DollarTree.com 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.