Best Credit Card for Giant Food in 2026
Giant Food is classified under MCC 5411 (Grocery Stores, Supermarkets). The best card for Giant Food purchases is the Freedom Flex (no annual fee), earning 5x on grocery stores, supermarkets — an effective return of 10.25%.
Does Giant Food accept Mastercard? Yes — Giant Food accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Grocery stores like Giant Food are crucial for daily spending, and credit cards that offer high rewards in the grocery category can significantly boost your points or cash back.
To maximize your rewards, consider using your high-reward grocery card exclusively for all purchases at Giant Food and sign up for their loyalty program for additional savings.
Spending Math
If you spend $200 a month at Giant Food with the Hilton Honors Surpass card earning 6x points, you'd earn $144 per year compared to just $24 on a standard 1% rewards card.
Giant Food purchases are classified under MCC 5411 (Grocery Stores, Supermarkets).
MCC Details for Giant Food
Best Credit Cards for Giant Food (2026)
How Giant Food Codes on Your Statement
When you pay at Giant Food 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, Giant Food transactions will qualify — even if your card terms only mention a category name and not Giant Food specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Giant Food 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 — Giant Food
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 Giant Food
Spending $200/month at Giant Food 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 Giant Food merchants, earning $120/year with no annual fee.