Plus: the best credit cards to use at Kemps for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Kemps uses MCC code 5451 (Dairy Products Stores). The best credit card is the Hilton Honors Surpass, earning 6x rewards on this category.
Kemps transactions are processed under MCC 5451 (Dairy Products Stores, 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.
Kemps uses MCC code 5451, which is classified as "Dairy Products Stores". This determines which credit card bonus categories apply to purchases at Kemps.
The best credit card at Kemps is the Hilton Honors Surpass, which earns 6x points/miles on purchases coded as MCC 5451 (Dairy Products Stores).
Kemps uses MCC 5451 (Dairy Products Stores). This means purchases at Kemps do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).