Best Credit Card for Jet.com in 2026
Jet.com is classified under MCC 5999 (Miscellaneous and Specialty Retail Stores). The best card for Jet.com purchases is the Altitude Reserve (no annual fee), earning 5x on miscellaneous and specialty retail stores — an effective return of 7.50%.
Does Jet.com accept Mastercard? Yes — Jet.com accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Jet.com is covered under the Miscellaneous and Specialty Retail category for credit cards, making it a great place to earn Shopper Cash Rewards if your card offers high rewards in this area.
To maximize your rewards, check if your credit card offers bonus categories for online shopping or general retail spending and time your Jet.com purchases accordingly.
Spending Math
If you spend $200 per month at Jet.com with a card offering 6x points, you'd earn $144 in annual rewards. That's six times more than the $24 you’d get from a standard 1% cash-back card.
Jet.com purchases are classified under MCC 5999 (Miscellaneous and Specialty Retail Stores).
MCC Details for Jet.com
Best Credit Cards for Jet.com (2026)
How Jet.com Codes on Your Statement
When you pay at Jet.com in the app or online, your card issuer sees MCC 5999 in the transaction data. This code tells your bank that the purchase was made at a miscellaneous and specialty retail 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 "miscellaneous and specialty retail stores" purchases, Jet.com transactions will qualify — even if your card terms only mention a category name and not Jet.com specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Jet.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 5999 qualifies for bonus rewards.
Bonus Category Match — Jet.com
About MCC 5999: Miscellaneous and Specialty Retail Stores
Merchant Category Code 5999 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Miscellaneous and Specialty Retail Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5999, all qualifying card programs that include miscellaneous and specialty retail 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 Miscellaneous and Specialty Retail Stores merchants: AliExpress, Amazon, Amazon.com.
What You Could Earn at Jet.com
Spending $200/month at Jet.com with the Altitude Reserve (5x on miscellaneous and specialty retail stores) 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 Amazon Prime earns 5x at Jet.com merchants, earning $120/year with no annual fee.