MCC 5411

What MCC Code Does H-E-B Use?

Plus: the best credit cards to use at H-E-B for maximum rewards in 2026.

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

Quick Answer

H-E-B uses MCC code 5411 (Grocery Stores, Supermarkets). The best credit card is the Hilton Honors Surpass, earning 6x rewards on this category.

Best Credit Cards at H-E-B

H-E-B transactions are processed under MCC 5411 (Grocery Stores, Supermarkets, category: retail). These cards earn the highest rewards:

Card Earning Rate Annual Fee Issuer
Hilton Honors Surpass 6x $95/yr American Express Apply Now
Blue Cash Preferred 6x $95/yr American Express Apply Now
Blue Cash Preferred (Morgan Stanley) 6x $95/yr American Express Apply Now
Hilton Honors Business 6x $175/yr American Express Apply Now
Hilton Honors 5x No annual fee American Express Apply Now

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

Quick Reference

All cards for MCC 5411 H-E-B merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does H-E-B use?

H-E-B uses MCC code 5411, which is classified as "Grocery Stores, Supermarkets". This determines which credit card bonus categories apply to purchases at H-E-B.

What is the best credit card to use at H-E-B?

The best credit card at H-E-B is the Hilton Honors Surpass, which earns 6x points/miles on purchases coded as MCC 5411 (Grocery Stores, Supermarkets).

Does H-E-B qualify for grocery credit card bonuses?

H-E-B uses MCC 5411 (Grocery Stores, Supermarkets). Yes — H-E-B is coded as a grocery store (MCC 5411), so grocery credit cards like the Blue Cash Preferred earn bonus rewards here.