MCC 5411: Grocery Stores, Supermarkets — Credit Card Bonus Rates
MCC 5411 covers GROCERY STORES, SUPERMARKETS merchants, classified under retail. The top card is Freedom Flex earning 5X. 35 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
Real-World Examples: MCC 5411 Merchants
Walmart, Kroger, and Safeway use MCC 5411 for grocery purchases. This code covers food items, beverages, and other household essentials but not gas or pharmacy sales.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 5411 (grocery stores, supermarkets). Your card issuer uses this code to determine whether retail category bonuses apply — so knowing which merchants trigger this code helps you choose the right card before you spend.
MCC 5411 vs Similar Codes
Cardholders often think this code includes all retail shopping, but it's strictly for groceries. Gas station convenience stores may surprise you by using a different MCC.
This distinction matters because different MCC codes can trigger different bonus rates on your credit card, even for similar types of merchants. Always check your transaction statement to confirm which MCC posted — some card issuers allow you to see the MCC in their app or online portal.
35 Cards That Earn Bonus on MCC 5411
Annual Rewards at MCC 5411 Merchants by Spending Level
How much you earn annually from grocery stores, supermarkets spending (MCC 5411), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 5411 merchants. Effective value uses current point valuations from our Points Calculator. Annual fee not deducted — see individual card reviews for net value after fee.
Merchants Using MCC 5411
Related MCC Codes
MCC 5411 (Grocery Stores, Supermarkets) covers 1010 merchants in our database. 35 credit cards earn elevated rewards on grocery stores, supermarkets transactions. The top earning rate is 5x from the Freedom Flex.
Frequently Asked Questions
What is MCC code 5411? +
MCC 5411 stands for Grocery Stores, Supermarkets. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category. Our database tracks 1010 merchants with this code.
What types of businesses use MCC 5411? +
Merchants classified under MCC 5411 (Grocery Stores, Supermarkets) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include 99 Ranch Market, Acme Markets, Albertsons, Albertsons - Albuquerque.
Which credit cards earn bonus rewards at MCC 5411 merchants? +
The top cards for MCC 5411 (Grocery Stores, Supermarkets) are: Freedom Flex (10x); American Express® Gold Card (8x); Business Gold (8x). These cards earn elevated rates specifically in the retail category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 5411 merchants? +
35 credit cards in our database earn elevated rewards on MCC 5411 (Grocery Stores, Supermarkets) purchases. The top rate is 10x from the Freedom Flex. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 5411? +
MCC 5411 covers 1010 merchants in our database, including 99 Ranch Market, Acme Markets, Albertsons, Albertsons - Albuquerque, and 1006 more. All purchases at these merchants post as 'Grocery Stores, Supermarkets' and trigger retail category bonus rates on eligible credit cards.
Does 99 Ranch Market count as retail for credit card rewards? +
Yes. 99 Ranch Market is classified under MCC 5411 (Grocery Stores, Supermarkets), which falls in the retail category. Cards with retail bonus categories will apply the elevated earn rate — the top option earns 10x at qualifying merchants in this code.
What is the difference between MCC 5411 and MCC 5013? +
MCC 5411 (Grocery Stores, Supermarkets) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5411 is used for grocery stores, supermarkets businesses, while MCC 5013 is assigned to motor vehicle supplies and new parts merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.