What is Substack's MCC Code?
Substack uses MCC 7372 (Computer Programming, Data Processing, and Integrated Systems Design Services). This Merchant Category Code is used by credit card networks to classify transactions at Substack.
When you use your credit card at Substack, the transaction is tagged with MCC 7372. 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 Substack
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 Substack:
✗HSBC Revolution
✗OCBC Rewards
✗UOB Preferred Platinum Visa
✗Citibank Rewards MasterCard
✗Woman's World MasterCard
✗UOB Lady's Card
✗UOB Lady's Solitaire
✗UOB KrisFlyer
Tips for Maximizing Rewards at Substack
- Use the card with the highest bonus rate for MCC 7372
- 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