Plus: the best credit cards to use at Hy-Vee for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Hy-Vee uses MCC code 5411 (Grocery Stores, Supermarkets). The best credit card is the Hilton Honors Surpass, earning 6x rewards on this category.
Hy-Vee 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.
Hy-Vee uses MCC code 5411, which is classified as "Grocery Stores, Supermarkets". This determines which credit card bonus categories apply to purchases at Hy-Vee.
The best credit card at Hy-Vee is the Hilton Honors Surpass, which earns 6x points/miles on purchases coded as MCC 5411 (Grocery Stores, Supermarkets).
Hy-Vee uses MCC 5411 (Grocery Stores, Supermarkets). Yes — Hy-Vee is coded as a grocery store (MCC 5411), so grocery credit cards like the Blue Cash Preferred earn bonus rewards here.