Best Credit Card for Turo in 2026
Turo is classified under MCC 7512 (Car Rental Companies ( Not Listed Below)). The best card for Turo purchases is the Hilton Honors Aspire ($550/yr annual fee), earning 7x on car rental companies ( not listed below) — an effective return of 3.50%.
Car rental companies like Turo are covered under travel cards, making them a prime target for high rewards rates. If you frequently rent cars, especially through less conventional services like Turo, maximizing your rewards is key.
To maximize your Turo rental rewards, consider signing up for their referral program and earning points on rentals made by friends you refer.
Turo purchases are classified under MCC 7512 (Car Rental Companies ( Not Listed Below)).
MCC Details for Turo
Best Credit Cards for Turo (2026)
How Turo Codes on Your Statement
When you pay at Turo in the app or online, your card issuer sees MCC 7512 in the transaction data. This code tells your bank that the purchase was made at a car rental companies ( not listed below) merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "car rental companies ( not listed below)" purchases, Turo transactions will qualify — even if your card terms only mention a category name and not Turo specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Turo 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 7512 qualifies for bonus rewards.
Bonus Category Match — Turo
About MCC 7512: Car Rental Companies ( Not Listed Below)
Merchant Category Code 7512 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Car Rental Companies ( Not Listed Below) industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 7512, all qualifying card programs that include car rental companies ( not listed below) as a bonus category will apply the elevated earn rate.
The Car Rental 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 Car Rental Companies ( Not Listed Below) merchants: ACE Rent A Car, Advantage Rent A Car, Alamo Rent A Car.
What You Could Earn at Turo
Spending $200/month at Turo with the Hilton Honors Aspire (7x on car rental companies ( not listed below)) earns approximately $168/year in rewards. A basic 1% card earns $24 on the same spending. After the $550 annual fee, that is $-382 more per year.