Key Takeaway
MCC 5262 designates Online Marketplaces (third-party seller aggregation platforms). While some cards like the Amex Blue Cash Everyday award 3% on U.S. online retail purchases, transactions through smaller third-party marketplace portals may code as miscellaneous services.
- Assigned to multi-merchant ecommerce platforms aggregating independent third-party vendors
- Qualifies for 'U.S. Online Retail' categories on cards like Amex Blue Cash Everyday (3%)
- Foreign marketplace alert: Purchases from overseas sellers may trigger foreign transaction fees
What is MCC 5262?
Established to differentiate multi-seller marketplaces from single-merchant webstores, MCC 5262 (Online Marketplaces) applies to platforms that facilitate transactions between individual consumers and third-party commercial sellers.
How Cards Reward Marketplace Spend
- American Express Blue Cash Everyday: Explicitly includes major U.S. online retail marketplaces for its 3% online retail category (up to $6,000/yr).
- Bank of America Customized Cash Rewards: Online shopping category (3% to 5.25% with Preferred Rewards) reliably triggers on MCC 5262 platforms.
- Flat Rate Safety: If in doubt about an unknown marketplace’s merchant code, use a 2% flat-rate card.