Best Credit Card for Ro in 2026
Ro is classified under MCC 5912 (Drug Stores and Pharmacies). The best card for Ro purchases is the Sapphire Reserve ($795/yr annual fee), earning 3x on drug stores and pharmacies — an effective return of 6.15%.
Does Ro accept Mastercard? Yes — Ro accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Drug stores and pharmacies (MCC 5912) are covered under the Custom Cash category for credit cards, offering big rewards on everyday purchases like prescriptions and over-the-counter meds.
Consider setting up automatic refills for prescriptions and signing up for loyalty programs to maximize your rewards at drug stores.
Spending Math
If you spend $200 a month at drug stores with a card that earns 5x points here, you'll earn $120 annually. A standard 1% cash back card would only net you $24 in the same period.
Ro purchases are classified under MCC 5912 (Drug Stores and Pharmacies).
MCC Details for Ro
Best Credit Cards for Ro (2026)
How Ro Codes on Your Statement
When you pay at Ro in the app or online, your card issuer sees MCC 5912 in the transaction data. This code tells your bank that the purchase was made at a drug stores and pharmacies merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "drug stores and pharmacies" purchases, Ro transactions will qualify — even if your card terms only mention a category name and not Ro specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Ro 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 5912 qualifies for bonus rewards.
Bonus Category Match — Ro
About MCC 5912: Drug Stores and Pharmacies
Merchant Category Code 5912 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Drug Stores and Pharmacies industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5912, all qualifying card programs that include drug stores and pharmacies as a bonus category will apply the elevated earn rate.
The Pharmacy 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 Drug Stores and Pharmacies merchants: Bartell Drug, Brooks Pharmacy, cardinal health.
What You Could Earn at Ro
Spending $200/month at Ro with the Sapphire Reserve (3x on drug stores and pharmacies) earns approximately $72/year in rewards. A basic 1% card earns $24 on the same spending. After the $795 annual fee, that is $-723 more per year.
Prefer no annual fee? The Freedom Flex earns 3x at Ro merchants, earning $72/year with no annual fee.