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.