Best Credit Card for Jiffy Lube in 2026
Jiffy Lube is classified under MCC 7538 (Automotive Service Shops). The best card for Jiffy Lube purchases is the Active Cash (no annual fee), earning 2x on automotive service shops — an effective return of 2.00%.
Jiffy Lube falls under the Automotive Service Shops category (MCC 7538), which is typically covered by travel and gas rewards credit cards. These cards often offer higher cash back rates on car maintenance expenses.
Consider setting up regular maintenance appointments at Jiffy Lube around your billing cycle end dates so all charges hit during a period when your card offers an elevated cash back rate.
Jiffy Lube purchases are classified under MCC 7538 (Automotive Service Shops).
MCC Details for Jiffy Lube
Best Credit Cards for Jiffy Lube (2026)
How Jiffy Lube Codes on Your Statement
When you pay at Jiffy Lube at their locations, your card issuer sees MCC 7538 in the transaction data. This code tells your bank that the purchase was made at a automotive service shops merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "automotive service shops" purchases, Jiffy Lube transactions will qualify — even if your card terms only mention a category name and not Jiffy Lube specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Jiffy Lube 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 7538 qualifies for bonus rewards.
Bonus Category Match — Jiffy Lube
About MCC 7538: Automotive Service Shops
Merchant Category Code 7538 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Automotive Service Shops industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 7538, all qualifying card programs that include automotive service shops as a bonus category will apply the elevated earn rate.
The Other 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 Automotive Service Shops merchants: Firestone Complete Auto Care, Goodyear Auto Service, Midas.
What You Could Earn at Jiffy Lube
Spending $200/month at Jiffy Lube with the Active Cash (2x on automotive service shops) earns approximately $48/year in rewards. A basic 1% card earns $24 on the same spending. That is $24 more per year with no annual fee.
Prefer no annual fee? The Signify Business Cash earns 2x at Jiffy Lube merchants, earning $48/year with no annual fee.