Best Credit Card for Cracker Barrel Old Country Store in 2026
Cracker Barrel Old Country Store is classified under MCC 5331 (Variety Stores). The best card for Cracker Barrel Old Country Store purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 6x on variety stores — an effective return of 6.00%.
Cracker Barrel Old Country Store falls under the Variety Stores category, making it a prime spot for maximizing rewards if your credit card offers high cashback on grocery and dining purchases.
To maximize rewards, check if your card doubles points on weekends or during specific promotional periods for variety stores like Cracker Barrel.
Spending Math
If you spend $200 a month at Cracker Barrel, Shopper Cash Rewards at 6x would earn you $144 annually compared to just $24 with a standard 1% card. That's an extra $120 in your pocket each year!
Cracker Barrel Old Country Store purchases are classified under MCC 5331 (Variety Stores).
MCC Details for Cracker Barrel Old Country Store
Best Credit Cards for Cracker Barrel Old Country Store (2026)
How Cracker Barrel Old Country Store Codes on Your Statement
When you pay at Cracker Barrel Old Country Store at their locations, your card issuer sees MCC 5331 in the transaction data. This code tells your bank that the purchase was made at a variety stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "variety stores" purchases, Cracker Barrel Old Country Store transactions will qualify — even if your card terms only mention a category name and not Cracker Barrel Old Country Store specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Cracker Barrel Old Country Store 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 5331 qualifies for bonus rewards.
Bonus Category Match — Cracker Barrel Old Country Store
About MCC 5331: Variety Stores
Merchant Category Code 5331 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Variety Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5331, all qualifying card programs that include variety stores 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 Variety Stores merchants: 99 Cents Only Stores, Big Lots, Building 19.
What You Could Earn at Cracker Barrel Old Country Store
Spending $200/month at Cracker Barrel Old Country Store with the Shopper Cash Rewards (6x on variety stores) earns approximately $144/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $49 more per year.