Best Credit Card for Fred Meyer in 2026
Fred Meyer is classified under MCC 5411 (Grocery Stores, Supermarkets). The best card for Fred Meyer purchases is the Freedom Flex (no annual fee), earning 5x on grocery stores, supermarkets — an effective return of 10.25%.
Does Fred Meyer accept Mastercard? Yes — Fred Meyer accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Fred Meyer, a grocery store chain, is covered under the 'Grocery' category for credit cards like the Hilton Honors Surpass Card, making it a great place to spend if you're trying to rack up some serious rewards points.
Stack your rewards by using your preferred grocery store card alongside the Hilton Honors Surpass Card at Fred Meyer if they allow it, doubling down on your points.
Spending Math
If you shell out $200 at Fred Meyer each month with the Hilton Honors Surpass Card earning 6x points, you'd pocket $144 in extra value annually compared to just a standard 1% cashback card which nets only $24 yearly for that same monthly spend.
Fred Meyer purchases are classified under MCC 5411 (Grocery Stores, Supermarkets).
MCC Details for Fred Meyer
Best Credit Cards for Fred Meyer (2026)
How Fred Meyer Codes on Your Statement
When you pay at Fred Meyer 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, Fred Meyer transactions will qualify — even if your card terms only mention a category name and not Fred Meyer specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Fred Meyer 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.
Bonus Category Match — Fred Meyer
About MCC 5411: Grocery Stores, Supermarkets
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: 99 Ranch Market, Acme Markets, Albertsons.
What You Could Earn at Fred Meyer
Spending $200/month at Fred Meyer 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 Fred Meyer merchants, earning $120/year with no annual fee.