Do You Earn Rewards on a Locksmith?
How locksmiths code
A locksmith rings up under a repair or general-services category code, outside the usual bonus buckets like dining and travel, so most cards earn their base rate on a lockout, a rekey, or new locks. Auto locksmiths who cut car keys code the same way, not as an automotive bonus. The framework is in merchant category codes explained.
Emergency calls and surcharges
A late-night lockout often means a mobile locksmith who may prefer cash or tack on a card surcharge to cover the fee. On a small emergency charge a surcharge can outweigh the rewards, so ask about payment and any fee up front when you can. Established storefront locksmiths are more likely to take cards cleanly.
The best card for a locksmith
Since there is no locksmith bonus, a strong flat-rate card earns the most when you can pay by card. The amounts are usually modest, so use whatever card you would for other everyday services, from best cash back cards.
Frequently asked questions
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