MCC 5331

What MCC Code Does Fred's Use?

Plus: the best credit cards to use at Fred's for maximum rewards in 2026.

By PointsPick Team, Credit Card Research Team  ·  Updated April 2026

Quick Answer

Fred's uses MCC code 5331 (Variety Stores). The best credit card is the Shopper Cash Rewards, earning 6x rewards on this category.

Best Credit Cards at Fred's

Fred's transactions are processed under MCC 5331 (Variety Stores, category: retail). These cards earn the highest rewards:

Card Earning Rate Annual Fee Issuer
Shopper Cash Rewards 6x $95/yr U.S. Bank Apply Now

Rates and fees as of April 2026. Verify with issuer before applying.

Quick Reference

All cards for MCC 5331 Fred's merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does Fred's use?

Fred's uses MCC code 5331, which is classified as "Variety Stores". This determines which credit card bonus categories apply to purchases at Fred's.

What is the best credit card to use at Fred's?

The best credit card at Fred's is the Shopper Cash Rewards, which earns 6x points/miles on purchases coded as MCC 5331 (Variety Stores).

Does Fred's qualify for grocery credit card bonuses?

Fred's uses MCC 5331 (Variety Stores). This means purchases at Fred's do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).