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Loco2 is classified under MCC 4112 (Passenger Railways). The best card for Loco2 purchases is the Sapphire Reserve ($795/yr annual fee), earning 10x on passenger railways — an effective return of 20.50%.
Loco2, a passenger railway service, is covered under travel and transportation MCCs by high-end cards like the Sapphire Reserve. This means you can earn big rewards on your train tickets.
Pro Tip
To maximize your rewards, link your Loco2 account to your airline or rail membership program that works with your credit card for even more benefits.
When you pay at Loco2 at their locations, your card issuer sees MCC 4112 in the transaction data. This code tells your bank that the purchase was made at a passenger railways merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "passenger railways" purchases, Loco2 transactions will qualify — even if your card terms only mention a category name and not Loco2 specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Loco2 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 4112 qualifies for bonus rewards.
Merchant Category Code 4112 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Passenger Railways industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 4112, all qualifying card programs that include passenger railways as a bonus category will apply the elevated earn rate.
The Transportation 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.
Spending $200/month at Loco2 with the Sapphire Reserve (10x on passenger railways) earns approximately $240/year in rewards. A basic 1% card earns $24 on the same spending. After the $795 annual fee, that is $-555 more per year.
Prefer no annual fee? The VentureOne earns 5x at Loco2 merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Loco2 use?
Loco2 uses MCC 4112 (Passenger Railways). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Loco2.
Which credit card earns the most rewards at Loco2?
The Sapphire Reserve earns 10x on passenger railways purchases (MCC 4112), making it the highest-earning option at Loco2 among the cards we track.
Does my card earn bonus rewards at Loco2?
It depends on your card's bonus categories. If your card earns bonus rewards on passenger railways purchases, Loco2 transactions (MCC 4112) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Loco2 classified as passenger railways for credit card purposes?
Yes. Loco2 is classified under MCC 4112, which falls in the Passenger Railways category. This means cards with passenger railways bonus categories will apply the elevated earn rate at Loco2.
What is MCC 4112 and what merchants use it?
MCC 4112 stands for Passenger Railways. It is assigned to businesses that primarily operate in passenger railways. Besides Loco2, other merchants in the same MCC include similar businesses in the transportation industry group.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: March 16, 2026.
Full methodology: www.pointspick.com/methodology.
