Best Credit Card for Hertz in 2026
Hertz is classified under MCC 7512 (Car Rental Companies ( Not Listed Below)). The best card for Hertz purchases is the Hilton Honors Aspire ($550/yr annual fee), earning 7x on car rental companies ( not listed below) — an effective return of 3.50%.
The Hertz MCC (7512) is crucial for travel enthusiasts and frequent road warriors, especially if you have a premium card like the Hilton Honors Aspire that offers high rewards on car rentals.
To maximize rewards, always book through the Hertz Gold Plus Rewards program when using your high-reward credit card.
Spending Math
If you spend $200 a month at Hertz with the Hilton Honors Aspire, you'll earn $14 per month or $168 annually compared to just $24 for a basic 1% cash back card.
Hertz purchases are classified under MCC 7512 (Car Rental Companies ( Not Listed Below)).
MCC Details for Hertz
Best Credit Cards for Hertz (2026)
How Hertz Codes on Your Statement
When you pay at Hertz at their locations, your card issuer sees MCC 7512 in the transaction data. This code tells your bank that the purchase was made at a car rental companies ( not listed below) merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "car rental companies ( not listed below)" purchases, Hertz transactions will qualify — even if your card terms only mention a category name and not Hertz specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Hertz 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 7512 qualifies for bonus rewards.
Bonus Category Match — Hertz
About MCC 7512: Car Rental Companies ( Not Listed Below)
Merchant Category Code 7512 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Car Rental Companies ( Not Listed Below) industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 7512, all qualifying card programs that include car rental companies ( not listed below) as a bonus category will apply the elevated earn rate.
The Car Rental 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 Car Rental Companies ( Not Listed Below) merchants: ACE Rent A Car, Advantage Rent A Car, Alamo Rent A Car.
What You Could Earn at Hertz
Spending $200/month at Hertz with the Hilton Honors Aspire (7x on car rental companies ( not listed below)) earns approximately $168/year in rewards. A basic 1% card earns $24 on the same spending. After the $550 annual fee, that is $-382 more per year.