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Megabus is classified under MCC 4131 (Bus Lines, Including Charters, Tour Buses). The best card for Megabus purchases is the Sapphire Reserve ($795/yr annual fee), earning 10x on bus lines, including charters, tour buses — an effective return of 20.50%.
Bus travel is often overlooked but can be a great way to rack up points and miles if you're traveling frequently. The Chase Sapphire Reserve covers Megabus under its premium travel category, making it ideal for frequent bus travelers.
Pro Tip
Book your trips well in advance when possible; Megabus often offers significant discounts for early bird tickets.
Spending Math
If you spend $200 a month on Megabus with the Sapphire Reserve at 10x points, that’s $240 in annual rewards compared to just $24 from a standard 1% cash-back card.
When you pay at Megabus at their locations, your card issuer sees MCC 4131 in the transaction data. This code tells your bank that the purchase was made at a bus lines, including charters, tour buses merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "bus lines, including charters, tour buses" purchases, Megabus transactions will qualify — even if your card terms only mention a category name and not Megabus specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Megabus 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 4131 qualifies for bonus rewards.
About MCC 4131: Bus Lines, Including Charters, Tour Buses
Merchant Category Code 4131 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Bus Lines, Including Charters, Tour Buses industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 4131, all qualifying card programs that include bus lines, including charters, tour buses 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.
Other Bus Lines, Including Charters, Tour Buses Merchants (MCC 4131)
Spending $200/month at Megabus with the Sapphire Reserve (10x on bus lines, including charters, tour buses) 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 Megabus merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Megabus use?
Megabus uses MCC 4131 (Bus Lines, Including Charters, Tour Buses). Our top pick for this MCC is the Sapphire Reserve, which earns 10x (20.50% effective return) on bus lines, including charters, tour buses purchases.
How much can I earn at Megabus with the right credit card?
Spending $200/month ($2400/year) at Megabus with the Sapphire Reserve ($795/yr annual fee) earns approximately $240/year at 10x. A basic 1% card earns $24 on the same spending — that is $216 more per year with the right card.
Is Megabus classified as bus lines, including charters, tour buses for credit card rewards?
Yes. Megabus is classified under MCC 4131 (Bus Lines, Including Charters, Tour Buses) by Visa and Mastercard. Cards that list 'bus lines, including charters, tour buses' as a bonus category — such as the Sapphire Reserve — will apply the elevated earn rate at Megabus.
Does my credit card earn bonus rewards at Megabus?
If your card includes bus lines, including charters, tour buses in its bonus categories, then yes — Megabus's MCC 4131 typically qualifies. The Sapphire Reserve earns 10x here. Check your card's app or call your issuer to confirm your specific card's category mapping.
What other stores are in the same category as Megabus (MCC 4131)?
MCC 4131 (Bus Lines, Including Charters, Tour Buses) is shared by many similar businesses. Other stores in this category include: Barriere Bus Lines, BoltBus, Coach USA, FlixBus. The same credit card bonus rate applies at all of these merchants.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: April 26, 2026.
Full methodology: www.pointspick.com/methodology.
