Best Credit Card for Zipcar in 2026
Zipcar is classified under MCC 7512 (Car Rental Companies ( Not Listed Below)). The best card for Zipcar 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%.
MCC 7512 for car rental companies like Zipcar matters because it's covered under travel rewards cards, offering bonus points or cash back.
To maximize rewards, use your travel credit cards exclusively for car rentals and look out for bonus promotions or limited-time offers.
Zipcar purchases are classified under MCC 7512 (Car Rental Companies ( Not Listed Below)).
MCC Details for Zipcar
Best Credit Cards for Zipcar (2026)
How Zipcar Codes on Your Statement
When you pay at Zipcar 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, Zipcar transactions will qualify — even if your card terms only mention a category name and not Zipcar specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Zipcar 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 — Zipcar
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 Zipcar
Spending $200/month at Zipcar 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.