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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.
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). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Megabus.
Which credit card earns the most rewards at Megabus?
The Sapphire Reserve earns 10x on bus lines, including charters, tour buses purchases (MCC 4131), making it the highest-earning option at Megabus among the cards we track.
Does my card earn bonus rewards at Megabus?
It depends on your card's bonus categories. If your card earns bonus rewards on bus lines, including charters, tour buses purchases, Megabus transactions (MCC 4131) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Megabus classified as bus lines, including charters, tour buses for credit card purposes?
Yes. Megabus is classified under MCC 4131, which falls in the Bus Lines, Including Charters, Tour Buses category. This means cards with bus lines, including charters, tour buses bonus categories will apply the elevated earn rate at Megabus.
What is MCC 4131 and what merchants use it?
MCC 4131 stands for Bus Lines, Including Charters, Tour Buses. It is assigned to businesses that primarily operate in bus lines. Besides Megabus, 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.
