Best Credit Card for Universal Studios in 2026
Universal Studios is classified under MCC 7922 (Theatrical Producers (Except Motion Pictures), Ticket Agencies). The best card for Universal Studios purchases is the Savor (no annual fee), earning 8x on theatrical producers (except motion pictures), ticket agencies — an effective return of 8.00%.
Theatrical entertainment, including Universal Studios, falls under MCC 7922 and is a great fit for Chase Sapphire cards which offer high rewards in this category.
To maximize your rewards, use apps like Park Hopper Plus to combine multiple attractions into one visit and rack up more points.
Universal Studios purchases are classified under MCC 7922 (Theatrical Producers (Except Motion Pictures), Ticket Agencies). If you spend frequently here, see our best cards for entertainment.
MCC Details for Universal Studios
Best Credit Cards for Universal Studios (2026)
How Universal Studios Codes on Your Statement
When you pay at Universal Studios at their locations, your card issuer sees MCC 7922 in the transaction data. This code tells your bank that the purchase was made at a theatrical producers (except motion pictures), ticket agencies merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "theatrical producers (except motion pictures), ticket agencies" purchases, Universal Studios transactions will qualify — even if your card terms only mention a category name and not Universal Studios specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Universal Studios 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 7922 qualifies for bonus rewards.
Bonus Category Match — Universal Studios
About MCC 7922: Theatrical Producers (Except Motion Pictures), Ticket Agencies
Merchant Category Code 7922 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Theatrical Producers (Except Motion Pictures), Ticket Agencies industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 7922, all qualifying card programs that include theatrical producers (except motion pictures), ticket agencies as a bonus category will apply the elevated earn rate.
The Entertainment 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 Theatrical Producers (Except Motion Pictures), Ticket Agencies merchants: AEG Presents, American Airlines Center, American Museum of Natural History.
What You Could Earn at Universal Studios
Spending $200/month at Universal Studios with the Savor (8x on theatrical producers (except motion pictures), ticket agencies) earns approximately $192/year in rewards. A basic 1% card earns $24 on the same spending. That is $168 more per year with no annual fee.