Best Credit Card for Microsoft 365 in 2026
Microsoft 365 is classified under MCC 5734 (Computer Software Stores). The best card for Microsoft 365 purchases is the Brex (no annual fee), earning 2x on computer software stores — an effective return of 3.00%.
Microsoft 365 subscriptions are covered under the computer software stores category in credit card rewards programs, making them a prime target for maximizing your tech spending.
To maximize rewards, consider bundling all your tech subscriptions into one purchase through the same service provider's website for more concentrated earning.
Spending Math
If you spend $200 per month on Microsoft 365 with a Brex card offering 2x points, you'd earn $48 annually compared to just $24 with a basic 1% cash back card.
Microsoft 365 purchases are classified under MCC 5734 (Computer Software Stores).
MCC Details for Microsoft 365
Best Credit Cards for Microsoft 365 (2026)
How Microsoft 365 Codes on Your Statement
When you pay at Microsoft 365 in the app or online, your card issuer sees MCC 5734 in the transaction data. This code tells your bank that the purchase was made at a computer software stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "computer software stores" purchases, Microsoft 365 transactions will qualify — even if your card terms only mention a category name and not Microsoft 365 specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Microsoft 365 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 5734 qualifies for bonus rewards.
Bonus Category Match — Microsoft 365
About MCC 5734: Computer Software Stores
Merchant Category Code 5734 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Computer Software Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5734, all qualifying card programs that include computer software stores as a bonus category will apply the elevated earn rate.
The Software 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 Computer Software Stores merchants: 1Password, Acer Store, Adobe Creative Cloud.
What You Could Earn at Microsoft 365
Spending $200/month at Microsoft 365 with the Brex (2x on computer software stores) 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.