Best Credit Card for Microsoft OneDrive in 2026
Microsoft OneDrive is classified under MCC 4816 (Computer Network Services). The best card for Microsoft OneDrive purchases is the Ink Business Cash (no annual fee), earning 5x on computer network services — an effective return of 10.25%.
MCC 4816 for Microsoft OneDrive is significant for business credit cards like the Ink Business Cash, which offers top-tier rewards for cloud services and software.
To maximize your rewards, consider bundling other Microsoft services like Office 365 through OneDrive's subscription options for an extra points boost.
Microsoft OneDrive purchases are classified under MCC 4816 (Computer Network Services).
MCC Details for Microsoft OneDrive
Best Credit Cards for Microsoft OneDrive (2026)
How Microsoft OneDrive Codes on Your Statement
When you pay at Microsoft OneDrive in the app or online, your card issuer sees MCC 4816 in the transaction data. This code tells your bank that the purchase was made at a computer network services 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 network services" purchases, Microsoft OneDrive transactions will qualify — even if your card terms only mention a category name and not Microsoft OneDrive specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Microsoft OneDrive 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 4816 qualifies for bonus rewards.
Bonus Category Match — Microsoft OneDrive
About MCC 4816: Computer Network Services
Merchant Category Code 4816 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Computer Network Services industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 4816, all qualifying card programs that include computer network services as a bonus category will apply the elevated earn rate.
The Utilities 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 Network Services merchants: AT&T Internet, Backblaze, Box.
What You Could Earn at Microsoft OneDrive
Spending $200/month at Microsoft OneDrive with the Ink Business Cash (5x on computer network services) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.