Merchant MCC Guide

American Express MCC & rewards

Reported MCC 6012 · Financial Institutions - Merchandise and Services

· In-store

American Express

On-site merchant · SG

MCC 6012 · In-store terminal

Officially verified · In-store terminal

Verified MCC 6012 for In-store terminal.

Processing can still vary by channel or card network for some merchants, which may change the MCC.

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No catalogued card currently earns a bonus rate on this MCC.

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What is American Express's MCC Code?

American Express uses MCC 6012 (Financial Institutions - Merchandise and Services). This Merchant Category Code is used by credit card networks to classify transactions at American Express.

When you use your credit card at American Express, the transaction is tagged with MCC 6012. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.

Best Credit Cards for American Express

No bonus cards found for American Express (MCC 6012). Most cards will earn base rewards (1 MPD) on this category.

Tips for Maximizing Rewards at American Express

  • Use the card with the highest bonus rate for MCC 6012
  • Track monthly caps to avoid missing out on bonus rewards
  • Check if contactless vs inserted card affects your rewards rate
  • Verify the MCC before making large purchases to ensure bonus eligibility
  • Consider having multiple cards to maximize rewards across different spending categories

Related Merchants

These merchants use the same MCC code (6012) as American Express:

Airwallex
• online
Bank Of China
• offline
Citibank
• offline
Citibank Atm
• offline
Coinhako.Com
• online
Dbs
• offline
Hsbc
• offline
Pay Later Instalment Pl
• offline
Posb
• offline
Revolut
• online

Related Resources

Best cards for American ExpressView MCC 6012 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does American Express use?

American Express uses MCC 6012 (Financial Institutions - Merchandise and Services). This code classifies the merchant as a financial institutions - merchandise and services business.

Which credit cards earn rewards at American Express?

Most credit cards earn base rewards (1 MPD) at American Express. Check our MCC lookup tool to find cards with bonuses.

What should I check before choosing a card for American Express?

Compare the reward rate, monthly caps, minimum spend and payment-mode conditions. The issuer's terms determine the final reward for a transaction.

How do I verify American Express's MCC code?

Use CheckMCC's merchant lookup tool to verify American Express's MCC code before making large purchases. MCC codes can change, so it's always good to double-check.

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