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Overstock.com is classified under MCC 5999 (Miscellaneous and Specialty Retail Stores). The best card for Overstock.com purchases is the Altitude Reserve (no annual fee), earning 5x on miscellaneous and specialty retail stores — an effective return of 7.50%.
Payment Methods
Does Overstock.com accept Mastercard? Yes — Overstock.com accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Overstock.com is a great place for home and furniture deals, making it ideal for credit cards with strong Shopper Cash Rewards that cover online retail.
Pro Tip
Maximize your earnings by timing big purchases during Overstock's bonus reward periods for even higher Shopper Cash Rewards.
Spending Math
If you spend $200 monthly at Overstock.com on a card offering 6x rewards, you earn $144 annually compared to just $24 on a standard 1% cashback card.
When you pay at Overstock.com in the app or online, your card issuer sees MCC 5999 in the transaction data. This code tells your bank that the purchase was made at a miscellaneous and specialty retail 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 "miscellaneous and specialty retail stores" purchases, Overstock.com transactions will qualify — even if your card terms only mention a category name and not Overstock.com specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Overstock.com 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 5999 qualifies for bonus rewards.
About MCC 5999: Miscellaneous and Specialty Retail Stores
Merchant Category Code 5999 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Miscellaneous and Specialty Retail Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5999, all qualifying card programs that include miscellaneous and specialty retail 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 Miscellaneous and Specialty Retail Stores Merchants (MCC 5999)
Spending $200/month at Overstock.com with the Altitude Reserve (5x on miscellaneous and specialty retail stores) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.
Prefer no annual fee? The Amazon Prime earns 5x at Overstock.com merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Overstock.com use?
Overstock.com uses MCC 5999 (Miscellaneous and Specialty Retail Stores). Our top pick for this MCC is the Altitude Reserve, which earns 5x (7.50% effective return) on miscellaneous and specialty retail stores purchases.
How much can I earn at Overstock.com with the right credit card?
Spending $200/month ($2400/year) at Overstock.com with the Altitude Reserve (no annual fee) earns approximately $120/year at 5x. A basic 1% card earns $24 on the same spending — that is $96 more per year with the right card.
Is Overstock.com classified as miscellaneous and specialty retail stores for credit card rewards?
Yes. Overstock.com is classified under MCC 5999 (Miscellaneous and Specialty Retail Stores) by Visa and Mastercard. Cards that list 'miscellaneous and specialty retail stores' as a bonus category — such as the Altitude Reserve — will apply the elevated earn rate at Overstock.com.
Does my credit card earn bonus rewards at Overstock.com?
If your card includes miscellaneous and specialty retail stores in its bonus categories, then yes — Overstock.com's MCC 5999 typically qualifies. The Altitude Reserve earns 5x here. Check your card's app or call your issuer to confirm your specific card's category mapping.
What other stores are in the same category as Overstock.com (MCC 5999)?
MCC 5999 (Miscellaneous and Specialty Retail Stores) is shared by many similar businesses. Other stores in this category include: AliExpress, Amazon, Amazon.com, Boxed. The same credit card bonus rate applies at all of these merchants.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: April 26, 2026.
Full methodology: www.pointspick.com/methodology.
