Best Credit Card for King Soopers in 2026
King Soopers is classified under MCC 5411 (Grocery Stores, Supermarkets). The best card for King Soopers purchases is the Freedom Flex (no annual fee), earning 5x on grocery stores, supermarkets — an effective return of 10.25%.
Does King Soopers accept Mastercard? Yes — King Soopers accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Grocery stores like King Soopers are essential for daily spending, and many rewards credit cards offer generous categories that include them, especially those in the travel or cash-back category.
To maximize rewards, consider setting up an online account with King Soopers to access exclusive deals and double or triple your credit card rewards on days when they offer bonus points.
Spending Math
If you spend $200 a month at King Soopers, using the Hilton Honors Surpass card with its 6x points earns you $144 annually, while a standard 1% cash back card would only net you $24.
King Soopers purchases are classified under MCC 5411 (Grocery Stores, Supermarkets).
MCC Details for King Soopers
Best Credit Cards for King Soopers (2026)
How King Soopers Codes on Your Statement
When you pay at King Soopers 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, King Soopers transactions will qualify — even if your card terms only mention a category name and not King Soopers specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any King Soopers 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 — King Soopers
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 King Soopers
Spending $200/month at King Soopers 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 King Soopers merchants, earning $120/year with no annual fee.