Best Credit Card for MDLive in 2026
MDLive is classified under MCC 8099 (Medical Services and Health Practitioners (Not Elsewhere Classified)). The best card for MDLive purchases is the Active Cash (no annual fee), earning 2x on medical services and health practitioners (not elsewhere classified) — an effective return of 2.00%.
MDLive falls under the medical services category and is essential for those seeking telehealth consultations. Many travel and rotating rewards cards cover this MCC at a higher rate than basic cash-back options.
Consider using cards that offer bonus rewards for telehealth services or rotating categories to maximize your earnings at MDLive.
Spending Math
If you spend $200 monthly with MDLive on a card offering 2% back, you'll earn $4 per month ($48 annually). Opting for a standard 1% cash-back card would only net you $2 per month ($24 yearly).
MDLive purchases are classified under MCC 8099 (Medical Services and Health Practitioners (Not Elsewhere Classified)).
MCC Details for MDLive
Best Credit Cards for MDLive (2026)
How MDLive Codes on Your Statement
When you pay at MDLive in the app or online, your card issuer sees MCC 8099 in the transaction data. This code tells your bank that the purchase was made at a medical services and health practitioners (not elsewhere classified) merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "medical services and health practitioners (not elsewhere classified)" purchases, MDLive transactions will qualify — even if your card terms only mention a category name and not MDLive specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any MDLive 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 8099 qualifies for bonus rewards.
Bonus Category Match — MDLive
About MCC 8099: Medical Services and Health Practitioners (Not Elsewhere Classified)
Merchant Category Code 8099 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Medical Services and Health Practitioners (Not Elsewhere Classified) industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 8099, all qualifying card programs that include medical services and health practitioners (not elsewhere classified) as a bonus category will apply the elevated earn rate.
The Healthcare 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 Medical Services and Health Practitioners (Not Elsewhere Classified) merchants: Care.com, One Medical, Oscar Health.
What You Could Earn at MDLive
Spending $200/month at MDLive with the Active Cash (2x on medical services and health practitioners (not elsewhere classified)) 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 MDLive merchants, earning $48/year with no annual fee.