MCC 5451: Dairy Products Stores — Credit Card Bonus Rates
MCC 5451 covers DAIRY PRODUCTS STORES 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 5451 Merchants
Local dairy stores like Tillamook and Baskin Robbins use MCC 5451. Purchases include milk, cheese, and ice cream.
When you swipe your credit card at any of these merchants, the transaction posts as MCC 5451 (dairy products stores). 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 5451 vs Similar Codes
Cardholders may be surprised to see gas stations with small dairy sections coded as MCC 5451.
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 5451
Annual Rewards at MCC 5451 Merchants by Spending Level
How much you earn annually from dairy products stores spending (MCC 5451), based on effective cashback value after accounting for point valuations:
Calculations assume 100% of spending qualifies at MCC 5451 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 5451
Related MCC Codes
MCC 5451 (Dairy Products Stores) covers 5 merchants in our database. 35 credit cards earn elevated rewards on dairy products stores transactions. The top earning rate is 5x from the Freedom Flex.
Frequently Asked Questions
What is MCC code 5451? +
MCC 5451 stands for Dairy Products Stores. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category. Our database tracks 5 merchants with this code.
What types of businesses use MCC 5451? +
Merchants classified under MCC 5451 (Dairy Products Stores) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include Kemps, Oberweis Dairy, Organic Valley, Stonyfield Farm.
Which credit cards earn bonus rewards at MCC 5451 merchants? +
The top cards for MCC 5451 (Dairy Products Stores) are: Freedom Flex (10x); Business Gold (8x); American Express® Gold Card (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 5451 merchants? +
35 credit cards in our database earn elevated rewards on MCC 5451 (Dairy Products Stores) 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 5451? +
MCC 5451 covers 5 merchants in our database, including Kemps, Oberweis Dairy, Organic Valley, Stonyfield Farm, and 1 more. All purchases at these merchants post as 'Dairy Products Stores' and trigger retail category bonus rates on eligible credit cards.
Does Kemps count as retail for credit card rewards? +
Yes. Kemps is classified under MCC 5451 (Dairy Products Stores), 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 5451 and MCC 5013? +
MCC 5451 (Dairy Products Stores) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5451 is used for dairy products stores 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.