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Fannie May is classified under MCC 5441 (Candy, Nut, and Confectionery Stores). The best card for Fannie May purchases is the Freedom Flex (no annual fee), earning 5x on candy, nut, and confectionery stores — an effective return of 10.25%.
If you love indulging in sweet treats from Fannie May, knowing that candy stores fall under the 'Food Delivery & Dining' category for many cards is a plus. Cards like the Hilton Honors Surpass offer major rewards here.
Pro Tip
Maximize your treat budget by timing purchases when Fannie May has buy-one-get-one-free deals or bonus points promotions to rack up more rewards.
When you pay at Fannie May at their locations, your card issuer sees MCC 5441 in the transaction data. This code tells your bank that the purchase was made at a candy, nut, and confectionery 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 "candy, nut, and confectionery stores" purchases, Fannie May transactions will qualify — even if your card terms only mention a category name and not Fannie May specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Fannie May 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 5441 qualifies for bonus rewards.
About MCC 5441: Candy, Nut, and Confectionery Stores
Merchant Category Code 5441 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Candy, Nut, and Confectionery Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5441, all qualifying card programs that include candy, nut, and confectionery 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 Candy, Nut, and Confectionery Stores Merchants (MCC 5441)
Spending $200/month at Fannie May with the Freedom Flex (5x on candy, nut, and confectionery stores) 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 Fannie May merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Fannie May use?
Fannie May uses MCC 5441 (Candy, Nut, and Confectionery Stores). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Fannie May.
Which credit card earns the most rewards at Fannie May?
The Freedom Flex earns 5x on candy, nut, and confectionery stores purchases (MCC 5441), making it the highest-earning option at Fannie May among the cards we track.
Does my card earn bonus rewards at Fannie May?
It depends on your card's bonus categories. If your card earns bonus rewards on candy, nut, and confectionery stores purchases, Fannie May transactions (MCC 5441) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Fannie May classified as candy, nut, and confectionery stores for credit card purposes?
Yes. Fannie May is classified under MCC 5441, which falls in the Candy, Nut, and Confectionery Stores category. This means cards with candy, nut, and confectionery stores bonus categories will apply the elevated earn rate at Fannie May.
What is MCC 5441 and what merchants use it?
MCC 5441 stands for Candy, Nut, and Confectionery Stores. It is assigned to businesses that primarily operate in general purchases at this merchant type. Besides Fannie May, 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.
