Best Credit Card for United Car Rental in 2026
United Car Rental is classified under MCC 7512 (Car Rental Companies ( Not Listed Below)). The best card for United Car Rental 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 United Car Rental are a key part of travel rewards, and cards like the Hilton Honors Aspire offer great earnings here with their high point multipliers.
Consider pre-paying for longer rental periods with your rewards card to maximize your point earnings.
United Car Rental purchases are classified under MCC 7512 (Car Rental Companies ( Not Listed Below)).
MCC Details for United Car Rental
Best Credit Cards for United Car Rental (2026)
How United Car Rental Codes on Your Statement
When you pay at United Car Rental at their locations, 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, United Car Rental transactions will qualify — even if your card terms only mention a category name and not United Car Rental specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any United Car Rental 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 — United Car Rental
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 United Car Rental
Spending $200/month at United Car Rental 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.