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Epic Games Store is classified under MCC 5816 (Digital Goods: Games). The best card for Epic Games Store purchases is the Xbox (no annual fee), earning 5x on digital goods: games — an effective return of 7.50%.
The Epic Games Store falls under MCC 5816, which is covered by several cash back cards for digital game purchases, making it a great place to earn rewards.
Pro Tip
To maximize your rewards, always use a card like the Blue Cash Preferred when making purchases on the Epic Games Store.
Spending Math
If you spend $200 a month at the Epic Games Store, the Blue Cash Preferred card would give you $144 in rewards annually compared to just $24 from a standard 1% cash back card.
When you pay at Epic Games Store in the app or online, your card issuer sees MCC 5816 in the transaction data. This code tells your bank that the purchase was made at a digital goods: games merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "digital goods: games" purchases, Epic Games Store transactions will qualify — even if your card terms only mention a category name and not Epic Games Store specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Epic Games Store 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 5816 qualifies for bonus rewards.
Merchant Category Code 5816 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Digital Goods: Games industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5816, all qualifying card programs that include digital goods: games as a bonus category will apply the elevated earn rate.
The Digital 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.
Spending $200/month at Epic Games Store with the Xbox (5x on digital goods: games) 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 Autograph earns 3x at Epic Games Store merchants, earning $72/year with no annual fee.
Frequently Asked Questions
What MCC code does Epic Games Store use?
Epic Games Store uses MCC 5816 (Digital Goods: Games). Our top pick for this MCC is the Xbox, which earns 5x (7.50% effective return) on digital goods: games purchases.
How much can I earn at Epic Games Store with the right credit card?
Spending $200/month ($2400/year) at Epic Games Store with the Xbox (no annual fee) earns approximately $120/year at 5x. A basic 1% card earns $24 on the same spending — that is $96 more per year with the right card.
Is Epic Games Store classified as digital goods: games for credit card rewards?
Yes. Epic Games Store is classified under MCC 5816 (Digital Goods: Games) by Visa and Mastercard. Cards that list 'digital goods: games' as a bonus category — such as the Xbox — will apply the elevated earn rate at Epic Games Store.
Does my credit card earn bonus rewards at Epic Games Store?
If your card includes digital goods: games in its bonus categories, then yes — Epic Games Store's MCC 5816 typically qualifies. The Xbox earns 5x here. Check your card's app or call your issuer to confirm your specific card's category mapping.
What other stores are in the same category as Epic Games Store (MCC 5816)?
MCC 5816 (Digital Goods: Games) is shared by many similar businesses. Other stores in this category include: Amazon Music, Apple Music, Audible, Deezer. The same credit card bonus rate applies at all of these merchants.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: April 26, 2026.
Full methodology: www.pointspick.com/methodology.
