Best Credit Card for Midas in 2026
Midas is classified under MCC 7538 (Automotive Service Shops). The best card for Midas purchases is the Active Cash (no annual fee), earning 2x on automotive service shops — an effective return of 2.00%.
Auto service shops like Midas are crucial for maintaining your car's health. Many rewards cards cover these services under their auto and gas category.
Consider using a rewards card that doubles its rate for the first $3,000 in spending at gas stations and auto shops like Midas.
Midas purchases are classified under MCC 7538 (Automotive Service Shops).
MCC Details for Midas
Best Credit Cards for Midas (2026)
How Midas Codes on Your Statement
When you pay at Midas at their locations, your card issuer sees MCC 7538 in the transaction data. This code tells your bank that the purchase was made at a automotive service shops merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "automotive service shops" purchases, Midas transactions will qualify — even if your card terms only mention a category name and not Midas specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Midas 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 7538 qualifies for bonus rewards.
Bonus Category Match — Midas
About MCC 7538: Automotive Service Shops
Merchant Category Code 7538 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Automotive Service Shops industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 7538, all qualifying card programs that include automotive service shops as a bonus category will apply the elevated earn rate.
The Other 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 Automotive Service Shops merchants: Firestone Complete Auto Care, Goodyear Auto Service, Jiffy Lube.
What You Could Earn at Midas
Spending $200/month at Midas with the Active Cash (2x on automotive service shops) 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.
Prefer no annual fee? The Signify Business Cash earns 2x at Midas merchants, earning $48/year with no annual fee.