Best Credit Card for Hy-Vee in 2026
Hy-Vee is classified under MCC 5411 (Grocery Stores, Supermarkets). The best card for Hy-Vee purchases is the Freedom Flex (no annual fee), earning 5x on grocery stores, supermarkets — an effective return of 10.25%.
Does Hy-Vee accept Mastercard? Yes — Hy-Vee accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Grocery stores like Hy-Vee are crucial for daily expenses, and rewards cards covering MCC 5411 can really help you save on your weekly shopping trips.
Use Hy-Vee's loyalty program in conjunction with your rewards credit card for even bigger savings on groceries.
Spending Math
If you spend $200 a month at Hy-Vee with the Hilton Honors Surpass card earning 6x points, you'd earn $12.00 monthly or $144.00 annually. Compare that to just $2.00/month ($24/year) from a generic 1% cash back card.
Hy-Vee purchases are classified under MCC 5411 (Grocery Stores, Supermarkets).
MCC Details for Hy-Vee
Best Credit Cards for Hy-Vee (2026)
How Hy-Vee Codes on Your Statement
When you pay at Hy-Vee 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, Hy-Vee transactions will qualify — even if your card terms only mention a category name and not Hy-Vee specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Hy-Vee 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 — Hy-Vee
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 Hy-Vee
Spending $200/month at Hy-Vee 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 Hy-Vee merchants, earning $120/year with no annual fee.