What is Google Drive's MCC Code?
Google Drive uses MCC 5968 (Direct Marketing - Continuity/Subscription Merchant). This Merchant Category Code is used by credit card networks to classify transactions at Google Drive.
When you use your credit card at Google Drive, the transaction is tagged with MCC 5968. 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 Google Drive
HSBC Revolution
4 MPDIncluded in whitelist
Cap: Cap at $1,500 a month
UOB Preferred Platinum Visa
4 MPDIncluded in whitelist and not excluded
Cap: Cap at $600 a month per spend type
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) at Google Drive:
✗OCBC Rewards
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
Tips for Maximizing Rewards at Google Drive
- Use the card with the highest bonus rate for MCC 5968
- Track monthly caps to avoid missing out on bonus rewards
- Check if mobile wallet vs direct payment 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