MCC 4900: Utilities

MCC 4900 classifies merchants recorded as electric, gas, sanitary and water utilities. It describes the business accepting the payment, not the exact item you bought.

Most banks show a spending category in the app or statement instead of the four-digit MCC. Use that category to narrow down likely codes, then ask the issuer for the exact code on the posted transaction if you need to confirm it.

The MCC alone cannot establish eligibility. Check your card issuer's eligible codes and exclusions for the posted transaction; some transaction types earn no category bonus.

Card issuers can apply different reward rules to merchant codes, payment channels and excluded transactions. A checkout processed by another merchant account may also appear under another MCC.

Yes. Separate merchant accounts or payment providers can classify checkouts differently. Check the code for the particular posted charge when it affects your card's rewards.