Best Credit Card for Getty Images in 2026
Getty Images is classified under MCC 5818 (Digital Goods: Large Digital Goods Merchant). The best card for Getty Images purchases is the Sapphire Preferred ($95/yr annual fee), earning 3x on digital goods: large digital goods merchant — an effective return of 6.15%.
Getty Images falls under the Digital Goods category, making it a prime target for rewards enthusiasts who use cards like the Blue Cash Preferred. This merchant category can significantly boost your earnings if you spend money on digital content regularly.
Maximize your Getty Images rewards by pre-loading your purchases with gift cards linked to your high-reward digital goods credit card.
Getty Images purchases are classified under MCC 5818 (Digital Goods: Large Digital Goods Merchant). If you spend frequently here, see our best cards for digital.
MCC Details for Getty Images
Best Credit Cards for Getty Images (2026)
How Getty Images Codes on Your Statement
When you pay at Getty Images in the app or online, your card issuer sees MCC 5818 in the transaction data. This code tells your bank that the purchase was made at a digital goods: large digital goods merchant 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: large digital goods merchant" purchases, Getty Images transactions will qualify — even if your card terms only mention a category name and not Getty Images specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Getty Images 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 5818 qualifies for bonus rewards.
Bonus Category Match — Getty Images
About MCC 5818: Digital Goods: Large Digital Goods Merchant
Merchant Category Code 5818 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Digital Goods: Large Digital Goods Merchant industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5818, all qualifying card programs that include digital goods: large digital goods merchant 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.
Other Digital Goods: Large Digital Goods Merchant merchants: Adobe Creative Cloud, Shutterstock.
What You Could Earn at Getty Images
Spending $200/month at Getty Images with the Sapphire Preferred (3x on digital goods: large digital goods merchant) earns approximately $72/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $-23 more per year.
Prefer no annual fee? The Autograph earns 3x at Getty Images merchants, earning $72/year with no annual fee.