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Kansas City Steaks is classified under MCC 5422 (Meat Provisioners – Freezer and Locker). The best card for Kansas City Steaks purchases is the Freedom Flex (no annual fee), earning 5x on meat provisioners – freezer and locker — an effective return of 10.25%.
If you're a meat lover and enjoy dining on premium cuts from Kansas City Steaks, the MCC 5422 for meat provisioners is key to maximizing your credit card rewards. Cards like the Hilton Honors Surpass offer generous rewards in this category.
Pro Tip
To maximize rewards, consider setting up recurring deliveries of your favorite steaks for consistent high-earning spend.
Spending Math
Spending $200 per month at Kansas City Steaks with a Hilton Honors Surpass would net you $12.00 each month, or $144.00 annually, compared to just $24.00 yearly from a basic 1% cash-back card.
When you pay at Kansas City Steaks at their locations, your card issuer sees MCC 5422 in the transaction data. This code tells your bank that the purchase was made at a meat provisioners – freezer and locker merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "meat provisioners – freezer and locker" purchases, Kansas City Steaks transactions will qualify — even if your card terms only mention a category name and not Kansas City Steaks specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Kansas City Steaks 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 5422 qualifies for bonus rewards.
About MCC 5422: Meat Provisioners – Freezer and Locker
Merchant Category Code 5422 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Meat Provisioners – Freezer and Locker industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5422, all qualifying card programs that include meat provisioners – freezer and locker 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 Meat Provisioners – Freezer and Locker Merchants (MCC 5422)
Spending $200/month at Kansas City Steaks with the Freedom Flex (5x on meat provisioners – freezer and locker) 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 Kansas City Steaks merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Kansas City Steaks use?
Kansas City Steaks uses MCC 5422 (Meat Provisioners – Freezer and Locker). Our top pick for this MCC is the Freedom Flex, which earns 5x (10.25% effective return) on meat provisioners – freezer and locker purchases.
How much can I earn at Kansas City Steaks with the right credit card?
Spending $200/month ($2400/year) at Kansas City Steaks with the Freedom Flex (no annual fee) earns approximately $120/year at 5x. A basic 1% card earns $24 on the same spending — that is $96 more per year with the right card.
Is Kansas City Steaks classified as meat provisioners – freezer and locker for credit card rewards?
Yes. Kansas City Steaks is classified under MCC 5422 (Meat Provisioners – Freezer and Locker) by Visa and Mastercard. Cards that list 'meat provisioners – freezer and locker' as a bonus category — such as the Freedom Flex — will apply the elevated earn rate at Kansas City Steaks.
Does my credit card earn bonus rewards at Kansas City Steaks?
If your card includes meat provisioners – freezer and locker in its bonus categories, then yes — Kansas City Steaks's MCC 5422 typically qualifies. The Freedom Flex earns 5x here. Check your card's app or call your issuer to confirm your specific card's category mapping.
What other stores are in the same category as Kansas City Steaks (MCC 5422)?
MCC 5422 (Meat Provisioners – Freezer and Locker) is shared by many similar businesses. Other stores in this category include: Omaha Steaks, Snake River Farms, SteakEz, Whole Foods Market Butcher. The same credit card bonus rate applies at all of these merchants.
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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 26, 2026.
Full methodology: www.pointspick.com/methodology.
