Best Credit Card for Ollie's Bargain Outlet in 2026
Ollie's Bargain Outlet is classified under MCC 5331 (Variety Stores). The best card for Ollie's Bargain Outlet purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 6x on variety stores — an effective return of 6.00%.
Ollie's Bargain Outlet falls under the variety stores category, which is covered by Shopper Cash Rewards and other cash-back cards for extra earning potential.
To maximize your rewards, use a card with high category bonuses on variety stores and stock up when there are clearance sales or discounts.
Ollie's Bargain Outlet purchases are classified under MCC 5331 (Variety Stores).
MCC Details for Ollie's Bargain Outlet
Best Credit Cards for Ollie's Bargain Outlet (2026)
How Ollie's Bargain Outlet Codes on Your Statement
When you pay at Ollie's Bargain Outlet 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, Ollie's Bargain Outlet transactions will qualify — even if your card terms only mention a category name and not Ollie's Bargain Outlet specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Ollie's Bargain Outlet 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 — Ollie's Bargain Outlet
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 Ollie's Bargain Outlet
Spending $200/month at Ollie's Bargain Outlet 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.