Best Credit Card for Microsoft Store in 2026
Microsoft Store is classified under MCC 5734 (Computer Software Stores). The best card for Microsoft Store purchases is the Brex (no annual fee), earning 2x on computer software stores — an effective return of 3.00%.
The Microsoft Store (MCC 5734) is a great place for tech enthusiasts to shop, and it's covered under business credit cards like the Brex card which offers higher rewards rates on software stores.
Maximize your rewards by setting up auto-renewals for software subscriptions at the Microsoft Store through your business credit card.
Microsoft Store purchases are classified under MCC 5734 (Computer Software Stores).
MCC Details for Microsoft Store
Best Credit Cards for Microsoft Store (2026)
How Microsoft Store Codes on Your Statement
When you pay at Microsoft Store 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 Store transactions will qualify — even if your card terms only mention a category name and not Microsoft Store specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Microsoft Store 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 Store
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 Store
Spending $200/month at Microsoft Store 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.