Best Credit Card for Ocean State Job Lot in 2026
Ocean State Job Lot is classified under MCC 5331 (Variety Stores). The best card for Ocean State Job Lot purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 6x on variety stores — an effective return of 6.00%.
Ocean State Job Lot, a variety store MCC (5331), is perfect for those who love shopping for everyday items and can earn big with the right credit cards like Chase Freedom Flex or Discover it Cash Back.
To maximize your rewards, check if Ocean State Job Lot participates in any bonus category promotions offered by your credit card during the sign-up period or rotation months.
Spending Math
If you spend $200 at Ocean State Job Lot every month on a card offering Shopper Cash Rewards at 6x, you'd earn $144 in rewards annually compared to just $24 from a typical 1% cash back card.
Ocean State Job Lot purchases are classified under MCC 5331 (Variety Stores).
MCC Details for Ocean State Job Lot
Best Credit Cards for Ocean State Job Lot (2026)
How Ocean State Job Lot Codes on Your Statement
When you pay at Ocean State Job Lot at their locations, your card issuer sees MCC 5331 in the transaction data. This code tells your bank that the purchase was made at a variety 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 "variety stores" purchases, Ocean State Job Lot transactions will qualify — even if your card terms only mention a category name and not Ocean State Job Lot specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Ocean State Job Lot 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 5331 qualifies for bonus rewards.
Bonus Category Match — Ocean State Job Lot
About MCC 5331: Variety Stores
Merchant Category Code 5331 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Variety Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5331, all qualifying card programs that include variety 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 Variety Stores merchants: 99 Cents Only Stores, Big Lots, Building 19.
What You Could Earn at Ocean State Job Lot
Spending $200/month at Ocean State Job Lot with the Shopper Cash Rewards (6x on variety stores) earns approximately $144/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $49 more per year.