Best Credit Card for One Medical in 2026
One Medical is classified under MCC 8099 (Medical Services and Health Practitioners (Not Elsewhere Classified)). The best card for One Medical purchases is the Active Cash (no annual fee), earning 2x on medical services and health practitioners (not elsewhere classified) — an effective return of 2.00%.
One Medical is a valuable medical service that can benefit from credit card rewards. Category cards for healthcare providers often offer higher cash back here.
To maximize your rewards, opt for cards that offer enhanced benefits or bonuses at healthcare providers like One Medical.
Spending Math
If you spend $200 monthly at One Medical with a standard 2% cashback card, you'd earn $4 each month ($48 yearly), compared to just $2 per month ($24 yearly) on a basic 1% card.
One Medical purchases are classified under MCC 8099 (Medical Services and Health Practitioners (Not Elsewhere Classified)).
MCC Details for One Medical
Best Credit Cards for One Medical (2026)
How One Medical Codes on Your Statement
When you pay at One Medical in the app or online, your card issuer sees MCC 8099 in the transaction data. This code tells your bank that the purchase was made at a medical services and health practitioners (not elsewhere classified) merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "medical services and health practitioners (not elsewhere classified)" purchases, One Medical transactions will qualify — even if your card terms only mention a category name and not One Medical specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any One Medical 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 8099 qualifies for bonus rewards.
Bonus Category Match — One Medical
About MCC 8099: Medical Services and Health Practitioners (Not Elsewhere Classified)
Merchant Category Code 8099 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Medical Services and Health Practitioners (Not Elsewhere Classified) industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 8099, all qualifying card programs that include medical services and health practitioners (not elsewhere classified) as a bonus category will apply the elevated earn rate.
The Healthcare 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 Medical Services and Health Practitioners (Not Elsewhere Classified) merchants: Care.com, MDLive, Oscar Health.
What You Could Earn at One Medical
Spending $200/month at One Medical with the Active Cash (2x on medical services and health practitioners (not elsewhere classified)) 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 One Medical merchants, earning $48/year with no annual fee.