Best Credit Card for Oscar Health in 2026
Oscar Health is classified under MCC 8099 (Medical Services and Health Practitioners (Not Elsewhere Classified)). The best card for Oscar Health 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%.
Medical services like those offered by Oscar Health are crucial for your health and well-being. Most travel rewards cards cover this MCC at a higher rate than basic cash back cards.
Consider using a card that offers increased rewards for healthcare spending at Oscar Health to maximize your returns.
Oscar Health purchases are classified under MCC 8099 (Medical Services and Health Practitioners (Not Elsewhere Classified)).
MCC Details for Oscar Health
Best Credit Cards for Oscar Health (2026)
How Oscar Health Codes on Your Statement
When you pay at Oscar Health 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, Oscar Health transactions will qualify — even if your card terms only mention a category name and not Oscar Health specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Oscar Health 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 — Oscar Health
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, One Medical.
What You Could Earn at Oscar Health
Spending $200/month at Oscar Health 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 Oscar Health merchants, earning $48/year with no annual fee.