Yes, but only at standard 1x base rates. MCC 7394 classifies Equipment Rental and Leasing Services (heavy machinery, construction tools, audiovisual gear). No major consumer or small business card offers an elevated bonus multiplier for commercial equipment leasing.
- Classifies tool rentals, construction machinery leasing, and event production gear
- Does NOT qualify as car rental (MCC 7512); credit card auto rental CDW insurance does NOT apply
- Optimal strategy: Charge to 2% cash back or 2x miles flat-rate business cards
What is MCC 7394?
MCC 7394 is the ISO 18245 category for Equipment Rental and Leasing Services, Tool Rental, Furniture Rental, and Appliance Rental. Typical merchants include Sunbelt Rentals, United Rentals, and local equipment yards.
Important Insurance Caveat
Many contractors and consumers assume credit card rental car insurance protects tool and utility trailer rentals. However, credit card rental insurance benefits explicitly require MCC 7512 (Passenger Car Rental). Construction equipment, utility trailers, and commercial vans leased under MCC 7394 are completely excluded from card CDW protections.