What is MCC 7538?
MCC 7538 is the Merchant Category Code for Automotive Service Shops (Non-Dealer). This four-digit code is used by credit card networks to classify businesses that sell automotive service shops (non-dealer).
When you use your credit card at a merchant classified under MCC 7538, 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 7538
Citibank Rewards MasterCard
4 MPDNot 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
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) on MCC 7538:
✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
Tips for Maximizing Rewards on MCC 7538
- 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: