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Earth Fare is classified under MCC 5411 (Grocery Stores, Supermarkets). The best card for Earth Fare purchases is the Freedom Flex (no annual fee), earning 5x on grocery stores, supermarkets — an effective return of 10.25%.
Grocery stores are a top spot for earning rewards, and Earth Fare is no exception. Many travel cards cover grocery purchases at 3x or more points.
Pro Tip
To maximize your points, consider setting aside higher-cost items for purchase when specific cards offer bonus categories like groceries.
When you pay at Earth Fare at their locations, 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, Earth Fare transactions will qualify — even if your card terms only mention a category name and not Earth Fare specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Earth Fare 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 Earth Fare 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 Earth Fare merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Earth Fare use?
Earth Fare uses MCC 5411 (Grocery Stores, Supermarkets). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Earth Fare.
Which credit card earns the most rewards at Earth Fare?
The Freedom Flex earns 5x on grocery stores, supermarkets purchases (MCC 5411), making it the highest-earning option at Earth Fare among the cards we track.
Does my card earn bonus rewards at Earth Fare?
It depends on your card's bonus categories. If your card earns bonus rewards on grocery stores, supermarkets purchases, Earth Fare transactions (MCC 5411) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Earth Fare classified as grocery stores, supermarkets for credit card purposes?
Yes. Earth Fare 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 Earth Fare.
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 Earth Fare, 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: April 04, 2026.
Full methodology: www.pointspick.com/methodology.
