MCC 5462 covers BAKERIES merchants, classified under retail. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or retail category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Local favorites like La Baguette, Bread & Butter Bakery, and Sweet Rise bake fresh bread daily. Purchases for baked goods, pastries, and custom cakes at these places fall under MCC 5462.
Cardholders often think coffee and tea items are coded the same as bakery products, but they usually aren't. Only baked goods get this MCC.
MCC 5462 stands for Bakeries. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the retail category.
Merchants classified under MCC 5462 (Bakeries) operate in the retail sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 5462 (Bakeries) is not currently a dedicated bonus category for most major credit cards. For retail spending at these merchants, a flat-rate rewards card (1.5–2% on all purchases) is typically your most reliable option. Use our MCC Lookup Tool to find the best card for any specific merchant.
Currently, no credit cards in our database have a dedicated bonus category for MCC 5462 (Bakeries). Most purchases posting with this code will earn base rewards (typically 1–1.5x on everyday cards). A flat-rate cashback card is the most predictable choice for retail spending.
MCC 5462 is assigned to businesses providing bakeries services. While this is a less common merchant category, any purchase that posts with code 5462 will be classified as 'Bakeries' by your card issuer, which determines whether retail category bonuses apply to that transaction.
MCC 5462 (Bakeries) and MCC 5013 (Motor vehicle supplies and new parts) are both in the retail category but cover distinct merchant types. MCC 5462 is used for bakeries 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.