Best Credit Card for NAPA Auto Parts in 2026
NAPA Auto Parts is classified under MCC 5533 (Automotive Parts, Accessories Stores). The best card for NAPA Auto Parts purchases is the Active Cash (no annual fee), earning 2x on automotive parts, accessories stores — an effective return of 2.00%.
The automotive parts and accessories store category is crucial for car enthusiasts or frequent drivers as it offers higher cash back rates on maintenance and repairs. Many travel and gas rewards cards cover this MCC.
To maximize your rewards, consider a card that offers bonus points for gas stations and automotive stores, which can double or triple the standard cash back rate.
Spending Math
If you spend $200 a month at NAPA Auto Parts, using a card with 2% cash back will earn you $4 each month ($48 annually) compared to just $2 monthly ($24 yearly) on a basic 1% rewards card.
NAPA Auto Parts purchases are classified under MCC 5533 (Automotive Parts, Accessories Stores).
MCC Details for NAPA Auto Parts
Best Credit Cards for NAPA Auto Parts (2026)
How NAPA Auto Parts Codes on Your Statement
When you pay at NAPA Auto Parts at their locations, your card issuer sees MCC 5533 in the transaction data. This code tells your bank that the purchase was made at a automotive parts, accessories 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 "automotive parts, accessories stores" purchases, NAPA Auto Parts transactions will qualify — even if your card terms only mention a category name and not NAPA Auto Parts specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any NAPA Auto Parts 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 5533 qualifies for bonus rewards.
Bonus Category Match — NAPA Auto Parts
About MCC 5533: Automotive Parts, Accessories Stores
Merchant Category Code 5533 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Automotive Parts, Accessories Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5533, all qualifying card programs that include automotive parts, accessories stores as a bonus category will apply the elevated earn rate.
The Retail 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 Parts, Accessories Stores merchants: Advance Auto Parts, AutoZone, O'Reilly Auto Parts.
What You Could Earn at NAPA Auto Parts
Spending $200/month at NAPA Auto Parts with the Active Cash (2x on automotive parts, accessories 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.
Prefer no annual fee? The Signify Business Cash earns 2x at NAPA Auto Parts merchants, earning $48/year with no annual fee.