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