MCC 4131 · Bus Lines · Bus Lines
For MCC 4131 (Bus Lines) in the United Kingdom, the Santander Rewards Credit Card gives the highest cashback at 3%.
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-10-01. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.Barclaycard Avios Plus Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
2.British Airways American Express Premium Plus Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
4.British Airways American Express Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.Santander Rewards Credit Card
Buses
3% only during the first 12 months from account opening, then 0.25%. MCC-based (Mastercard assigns MCCs).
Terms checked 2026-09-24 · Issuer terms ·
2.Santander Edge Explorer Current Account (debit card)
Travel: commuter transport, rail, bus
UK purchases only
Terms checked 2026-09-24 · Issuer terms ·
3.American Express Platinum Cashback Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
4.American Express Platinum Cashback Everyday Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
5.Santander All in One Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
6.Barclaycard Rewards Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.HSBC Premier World Elite Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
2.American Express Preferred Rewards Gold Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
Highlighted merchants use MCC 4131 as their main code. Seen a different code? Report it.
For MCC 4131 (Bus Lines) in the United Kingdom, the Santander Rewards Credit Card gives the highest cashback at 3%.
MCC 4131 is the merchant category code for Bus Lines (Bus Lines). MCC 4131 covers bus lines, including scheduled intercity coach services, charter buses, and tour bus operators. It is frequently confused with 4111, which covers local commuter transport such as city buses; many urban public bus networks are coded 4111, while long-distance coaches and charters typically use 4131. Sightseeing tours may also appear under 4722 when sold by a tour operator.
Merchants in the United Kingdom seen with MCC 4131 include Arriva (UK Bus), National Express, Stagecoach (UK bus). A merchant's MCC can differ by payment channel, so check the code on your statement.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.