Merchant MCC Guide

Nike Factory Store Karuizawa MCC & rewards

Contributed by QuickComet566 on 12 Oct 2026

Reported MCC 5655 · Sports and Riding Apparel Stores

Japan · In-store
Last updated: 12 Oct 2026

Nike Factory Store Karuizawa

On-site merchant · Japan

MCC 5655 · In-store terminal

Officially verified · In-store terminal

Verified MCC 5655 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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Cards that may earn bonus rewards

General comparison — no shortlist or Wallet in use.

  • HSBC Revolution4 MPD

    MCC is included in the bonus whitelist

    • Monthly cap: Cap at $1,000 a month
    • Payment mode: Bonus rate applies to both online and on-site transactions
    Editorial review (reviewed 2026-08-23)
  • Maybank XL Rewards4 MPD

    Eligible under the Shop category

    • Min spend: Requires min S$500 spend per calendar month to unlock 4 MPD (else 0.4 MPD)
    • Monthly cap: Cap at S$1,000 per calendar month across all bonus categories combined
    • FCY bonus: Earns 4 MPD on all foreign-currency transactions regardless of MCC
    • Excluded local categories: SGD groceries, petrol, and transport are NOT bonus categories. Bonus calculated per S$5 block.
    Editorial review (reviewed 2026-08-23)
  • OCBC Rewards4 MPD

    MCC is included in the bonus whitelist

    • Monthly cap: Cap at $1,000 a month
    • Payment mode: Bonus rate applies to both online and on-site transactions
    Editorial review (reviewed 2026-08-23)
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What is Nike Factory Store Karuizawa's MCC Code?

Nike Factory Store Karuizawa uses MCC 5655 (Sports and Riding Apparel Stores). This Merchant Category Code is used by credit card networks to classify transactions at Nike Factory Store Karuizawa.

When you use your credit card at Nike Factory Store Karuizawa, the transaction is tagged with MCC 5655. 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 Nike Factory Store Karuizawa

HSBC Revolution

4 MPD

Included in whitelist

Cap: Cap at $1,000 a month

OCBC Rewards

4 MPD

Included in whitelist

Cap: Cap at $1,000 a month

Citibank Rewards MasterCard

4 MPD

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 MPD

Not excluded

Cap: Cap at $1,000 a month
Note: Online spend only

UOB Visa Signature

4 MPD

Eligible via foreign-currency (FCY) transactions regardless of MCC

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

UOB Lady's Card

4 MPD

Eligible under Fashion category

Cap: Cap at $1,000 per calendar month per bonus category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.

UOB Lady's Solitaire

4 MPD

Eligible under Fashion category

Cap: Cap at $750 per calendar month per bonus category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.

Maybank XL Rewards

4 MPD

Eligible under Shop category

Cap: Cap at S$1,000 per calendar month across all bonus categories combined
Note: Earns 4 MPD on all foreign-currency (FCY) transactions regardless of MCC. Requires min S$500 spend per calendar month to unlock 4 MPD (else 0.4 MPD). SGD groceries, petrol, and transport are NOT bonus categories. Bonus calculated per S$5 block.

Cards That Don't Earn Bonus

These cards earn base rewards (1 MPD) at Nike Factory Store Karuizawa:

✗UOB Preferred Platinum Visa
✗UOB KrisFlyer

Tips for Maximizing Rewards at Nike Factory Store Karuizawa

  • Use the card with the highest bonus rate for MCC 5655
  • 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 Resources

Best cards for Nike Factory Store KaruizawaView MCC 5655 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Nike Factory Store Karuizawa use?

Nike Factory Store Karuizawa uses MCC 5655 (Sports and Riding Apparel Stores). This code classifies the merchant as a sports and riding apparel stores business.

Which credit cards earn rewards at Nike Factory Store Karuizawa?

9 credit cards earn bonus rewards at Nike Factory Store Karuizawa: HSBC Revolution, OCBC Rewards, Citibank Rewards MasterCard, Woman's World MasterCard, UOB Visa Signature, UOB Lady's Card, UOB Lady's Solitaire, Maybank XL Rewards, HSBC TravelOne.

What should I check before choosing a card for Nike Factory Store Karuizawa?

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 Nike Factory Store Karuizawa's MCC code?

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

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