[size=17.6]Let’s assume you have a credit card that earns you 2% cash back on groceries and 1% on all other purchases. You may earn 2% cash back when you buy milk at the grocery store, but only get 1% cash back when you buy milk at a convenience store. Although you are buying the same item (and it’s a grocery item), the MCC for each store is different. For example, in Ontario, most Loblaw’s have an MCC of 5411 which classifies it as a grocer. Mac’s, on the other hand, may have an MCC of 5499 which classifies it as a convenience store. So you only receive the 2% cash back for making purchases at an actual grocery store and not when buying grocery items at a convenience store.[/size]