What is MCC 5094?
MCC 5094 is the Merchant Category Code for Precious Stones and Metals, Watches and Jewelry. This four-digit code is used by credit card networks to classify businesses that sell precious stones and metals, watches and jewelry.
When you use your credit card at a merchant classified under MCC 5094, 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 5094
Not excluded
Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
Woman's World MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only
UOB Visa Signature
4 MPDNot excluded
Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Note: On Site: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
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Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 5094:
✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
✗Maybank XL Rewards
Tips for Maximizing Rewards on MCC 5094
- 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