Best Credit Card for Kmart in 2026
Kmart is classified under MCC 5399 (Misc. General Merchandise). The best card for Kmart purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 6x on misc. general merchandise — an effective return of 6.00%.
Kmart falls under the Misc. General Merchandise category and is a great place to rack up rewards if you shop there often, especially with cards that offer bonus points in this area.
To max out your rewards, keep an eye on Kmart's weekly ads and use your high-reward credit card during their bonus categories.
Kmart purchases are classified under MCC 5399 (Misc. General Merchandise).
MCC Details for Kmart
Best Credit Cards for Kmart (2026)
How Kmart Codes on Your Statement
When you pay at Kmart at their locations, your card issuer sees MCC 5399 in the transaction data. This code tells your bank that the purchase was made at a misc. general merchandise merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "misc. general merchandise" purchases, Kmart transactions will qualify — even if your card terms only mention a category name and not Kmart specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Kmart 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 5399 qualifies for bonus rewards.
Bonus Category Match — Kmart
About MCC 5399: Misc. General Merchandise
Merchant Category Code 5399 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Misc. General Merchandise industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5399, all qualifying card programs that include misc. general merchandise 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 Misc. General Merchandise merchants: Walmart Supercenter.
What You Could Earn at Kmart
Spending $200/month at Kmart with the Shopper Cash Rewards (6x on misc. general merchandise) earns approximately $144/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $49 more per year.
Prefer no annual fee? The AAA Daily Advantage earns 3x at Kmart merchants, earning $72/year with no annual fee.