What is Sp Services's MCC Code?
Sp Services uses MCC 4900 (Utilities - Electric, Gas, Water, Sanitary). This Merchant Category Code is used by credit card networks to classify transactions at Sp Services.
When you use your credit card at Sp Services, the transaction is tagged with MCC 4900. 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 Sp Services
No bonus cards found for Sp Services (MCC 4900). Most cards will earn base rewards (1 MPD) on this category.
Tips for Maximizing Rewards at Sp Services
- Use the card with the highest bonus rate for MCC 4900
- 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