What is MCC 4900?
MCC 4900 is the Merchant Category Code for Utilities - Electric, Gas, Water, Sanitary. This four-digit code is used by credit card networks to classify businesses that sell utilities - electric, gas, water, sanitary.
When you use your credit card at a merchant classified under MCC 4900, the transaction is tagged with this code. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.
Credit Cards That Earn Bonus Rewards on MCC 4900
No bonus cards found for MCC 4900. Most cards will earn base rewards (1 MPD) on this category. Check the merchant lookup tool to find cards that may earn bonuses.
Tips for Maximizing Rewards on MCC 4900
- Use the card with the highest bonus rate for this MCC category
- Track monthly caps to avoid missing out on bonus rewards
- Check if online vs offline spending affects your rewards rate
- Verify the MCC before making large purchases to ensure bonus eligibility
- Consider having multiple cards to maximize rewards across different MCCs
Related MCC Codes
Explore similar MCC codes to find cards that earn rewards on related categories: