MCC 5310: Discount Stores

MCC 5310 classifies merchants recorded as discount stores. 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.

Start with the linked spending-category card collection. A card's eligibility and rewards depend on the issuer's terms and its eligible MCCs, so check those rules before choosing.

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.

MCC 5310 is listed as discount stores, while MCC 5309 is listed as duty free store. The merchant account that processes the payment determines which code appears.