Went to research on the MCC and found out that it is 6540 (Non-Financial Institutions – Stored Value Card Purchase/Load) I'm not sure which credit card or bank that has rewards for topping up Youtrip (if that is what you meant) but I would love to know!
Definitely recommend to clear the debt as fast as possible to avoid interest. The longer it takes to clear the debt, the more interest you need to pay. In fact if you can do lump sum repayment, that will be even better!
Sorry to hear about your case.. Just want to say that if you feel that your work environment is toxic and you don't forsee yourself staying for long, I would encourage you to find ways to "upgrade" yourself and look for other job opportunies elsewhere. All the best!