MCC 5944: Jewellery stores

MCC 5944 classifies merchants recorded as watch, clock, jewelry, and silverware 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 5944 is listed as watch, clock, jewelry, and silverware stores, while MCC 5945 is listed as hobby, toy, and game shops. The merchant account that processes the payment determines which code appears.