Best Credit Card for O'Reilly Auto Parts in 2026
O'Reilly Auto Parts is classified under MCC 5533 (Automotive Parts, Accessories Stores). The best card for O'Reilly Auto Parts purchases is the Active Cash (no annual fee), earning 2x on automotive parts, accessories stores — an effective return of 2.00%.
O'Reilly Auto Parts is a great place for car enthusiasts and DIY mechanics. Many travel rewards cards cover automotive parts stores under their 'car-related expenses' category, offering generous rewards for gearheads.
Maximize your rewards by timing big car part purchases for when O'Reilly Auto Parts has sales and using a card that offers bonus points on automotive expenses.
O'Reilly Auto Parts purchases are classified under MCC 5533 (Automotive Parts, Accessories Stores).
MCC Details for O'Reilly Auto Parts
Best Credit Cards for O'Reilly Auto Parts (2026)
How O'Reilly Auto Parts Codes on Your Statement
When you pay at O'Reilly 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, O'Reilly Auto Parts transactions will qualify — even if your card terms only mention a category name and not O'Reilly Auto Parts specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any O'Reilly 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 — O'Reilly 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, NAPA Auto Parts.
What You Could Earn at O'Reilly Auto Parts
Spending $200/month at O'Reilly 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 O'Reilly Auto Parts merchants, earning $48/year with no annual fee.