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Amazon Fresh is classified under MCC 5411 (Grocery Stores, Supermarkets). The best card for Amazon Fresh purchases is the Freedom Flex (no annual fee), earning 5x on grocery stores, supermarkets — an effective return of 10.25%.
Grocery shopping is a daily necessity, and Amazon Fresh (MCC 5411) offers great rewards for those who use the right credit cards. Premium travel cards like the Hilton Honors Surpass Card earn up to 6x points here.
Pro Tip
Maximize your rewards by timing your Amazon Fresh orders around bonus categories offered during specific weeks of the month on cards like the Synchrony Store Rewards.
When you pay at Amazon Fresh in the app or online, your card issuer sees MCC 5411 in the transaction data. This code tells your bank that the purchase was made at a grocery stores, supermarkets merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "grocery stores, supermarkets" purchases, Amazon Fresh transactions will qualify — even if your card terms only mention a category name and not Amazon Fresh specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Amazon Fresh transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5411 qualifies for bonus rewards.
Merchant Category Code 5411 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Grocery Stores, Supermarkets industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5411, all qualifying card programs that include grocery stores, supermarkets as a bonus category will apply the elevated earn rate.
The Retail industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Grocery Stores, Supermarkets Merchants (MCC 5411)
Spending $200/month at Amazon Fresh with the Freedom Flex (5x on grocery stores, supermarkets) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.
Prefer no annual fee? The AAA Daily Advantage earns 5x at Amazon Fresh merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Amazon Fresh use?
Amazon Fresh uses MCC 5411 (Grocery Stores, Supermarkets). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Amazon Fresh.
Which credit card earns the most rewards at Amazon Fresh?
The Freedom Flex earns 5x on grocery stores, supermarkets purchases (MCC 5411), making it the highest-earning option at Amazon Fresh among the cards we track.
Does my card earn bonus rewards at Amazon Fresh?
It depends on your card's bonus categories. If your card earns bonus rewards on grocery stores, supermarkets purchases, Amazon Fresh transactions (MCC 5411) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Amazon Fresh classified as grocery stores, supermarkets for credit card purposes?
Yes. Amazon Fresh is classified under MCC 5411, which falls in the Grocery Stores, Supermarkets category. This means cards with grocery stores, supermarkets bonus categories will apply the elevated earn rate at Amazon Fresh.
What is MCC 5411 and what merchants use it?
MCC 5411 stands for Grocery Stores, Supermarkets. It is assigned to businesses that primarily operate in grocery and supermarket purchases. Besides Amazon Fresh, other merchants in the same MCC include similar businesses in the retail industry group.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: March 16, 2026.
Full methodology: www.pointspick.com/methodology.
