Best Credit Card for Mint Mobile in 2026
Mint Mobile is classified under MCC 4899 (Cable and other pay television (previously Cable Services)). The best card for Mint Mobile purchases is the Business Gold ($375/yr annual fee), earning 4x on cable and other pay television (previously cable services) — an effective return of 8.00%.
MCC 4899 covers cable services, which includes streaming platforms like Mint Mobile. This matters for rewards enthusiasts since cards that offer bonus categories often include 'bill payments' or 'cable and internet,' maximizing your earnings on monthly subscriptions.
To maximize your rewards, sign up for auto-pay or set up regular bill payments through the Blue Cash Preferred card to rack up those extra points effortlessly.
Spending Math
If you spend $200 a month with Mint Mobile, the Blue Cash Preferred card would earn you $144 in annual rewards at 6x points, while a standard 1% cashback card nets just $24. That's six times more value!
Mint Mobile purchases are classified under MCC 4899 (Cable and other pay television (previously Cable Services)).
MCC Details for Mint Mobile
Best Credit Cards for Mint Mobile (2026)
How Mint Mobile Codes on Your Statement
When you pay at Mint Mobile in the app or online, your card issuer sees MCC 4899 in the transaction data. This code tells your bank that the purchase was made at a cable and other pay television (previously cable 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 "cable and other pay television (previously cable services)" purchases, Mint Mobile transactions will qualify — even if your card terms only mention a category name and not Mint Mobile specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Mint Mobile 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 4899 qualifies for bonus rewards.
Bonus Category Match — Mint Mobile
About MCC 4899: Cable and other pay television (previously Cable Services)
Merchant Category Code 4899 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Cable and other pay television (previously Cable Services) industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 4899, all qualifying card programs that include cable and other pay television (previously cable 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 Cable and other pay television (previously Cable Services) merchants: Acorn TV, Amazon Prime Video, AMC+.
What You Could Earn at Mint Mobile
Spending $200/month at Mint Mobile with the Business Gold (4x on cable and other pay television (previously cable services)) earns approximately $96/year in rewards. A basic 1% card earns $24 on the same spending. After the $375 annual fee, that is $-279 more per year.
Prefer no annual fee? The Autograph earns 3x at Mint Mobile merchants, earning $72/year with no annual fee.