What is Ideal Auto Protect's MCC Code?
Ideal Auto Protect uses MCC 7531 (Automotive Body Repair Shops). This Merchant Category Code is used by credit card networks to classify transactions at Ideal Auto Protect.
When you use your credit card at Ideal Auto Protect, the transaction is tagged with MCC 7531. 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 Ideal Auto Protect
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 Ideal Auto Protect:
✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
Tips for Maximizing Rewards at Ideal Auto Protect
- Use the card with the highest bonus rate for MCC 7531
- 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