How to use this table
If a MCC appears on this table, then Spin+ subscribers earn 1% back when shopping at those businesses with the Fold Card, with the following exceptions and notes:
- MCC 6012, aka PayPal bill pay, earns unlimited 0.5% back.
- If a MCC/merchant is not represented on this table, that transaction will only earn Spins.
- Transactions where a user must enter a PIN will only receive Spins; rewards apply to signature transactions only.
- MCC that are ✅ marked as active Category Boosts will earn more than 1%. See Category Boosts for information.
MCC
Merchant
Category Boost
4111
Local and Suburban Commuter Passenger Transportation, Including Ferries
✅ - 2%
10 Sats
9.5%
12%
12%
15 Sats
17%
17%
17%
20 Sats
21%
20%
20%
25 Sats
26%
25%
25%
50 Sats
5.5%
5%
5%
100 Sats
2.25%
1.75%
1.75%
250 Sats
1%
0.9%
LOCKED
500 Sats
0.55%
0.5%
LOCKED
1,000 Sats
0.3%
0.25%
LOCKED
2,500 Sats
0.06%
0.05%
LOCKED
5,000 Sats
0.03%
LOCKED
LOCKED
10,000 Sats
0.003%
LOCKED
LOCKED
100,000 Sats
0.00015%
LOCKED
LOCKED
100,000,000 Sats
0.000001%
LOCKED
LOCKED
Cardholder Referral Bonus
7%
5%
5%
