Best Credit Card for HP Store in 2026
HP Store is classified under MCC 5732 (Electronic Sales). The best card for HP Store purchases is the Business Platinum ($695/yr annual fee), earning 2x on electronic sales — an effective return of 3.00%.
HP Store falls under the electronic sales category, making it a perfect spot for business owners to rack up rewards if their credit cards cover this MCC with higher earning rates.
Consider using a rotating category credit card if it includes electronics as a high-earning sector during the time you plan to make HP Store purchases.
HP Store purchases are classified under MCC 5732 (Electronic Sales). If you spend frequently here, see our best cards for home.
MCC Details for HP Store
Best Credit Cards for HP Store (2026)
How HP Store Codes on Your Statement
When you pay at HP Store in the app or online, your card issuer sees MCC 5732 in the transaction data. This code tells your bank that the purchase was made at a electronic sales merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "electronic sales" purchases, HP Store transactions will qualify — even if your card terms only mention a category name and not HP Store specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any HP 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 5732 qualifies for bonus rewards.
Bonus Category Match — HP Store
About MCC 5732: Electronic Sales
Merchant Category Code 5732 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Electronic Sales industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5732, all qualifying card programs that include electronic sales as a bonus category will apply the elevated earn rate.
The Home 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 Electronic Sales merchants: Adorama, Apple Store, B&H Photo.
What You Could Earn at HP Store
Spending $200/month at HP Store with the Business Platinum (2x on electronic sales) earns approximately $36/year in rewards. A basic 1% card earns $24 on the same spending. After the $695 annual fee, that is $-659 more per year.