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Oberweis Dairy is classified under MCC 5451 (Dairy Products Stores). The best card for Oberweis Dairy purchases is the Freedom Flex (no annual fee), earning 5x on dairy products stores — an effective return of 10.25%.
Dairy products stores like Oberweis Dairy are great for credit card rewards, especially if you're a frequent customer. Cards in the premium category often offer high earning rates here.
Pro Tip
Maximize your rewards by using cards with rotating categories that often include dairy stores during their high earning period.
Spending Math
If you spend $200 per month at Oberweis Dairy with the Hilton Honors Surpass (6x points), you'd earn $144 annually compared to just $24 on a standard 1% card.
When you pay at Oberweis Dairy at their locations, your card issuer sees MCC 5451 in the transaction data. This code tells your bank that the purchase was made at a dairy products stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "dairy products stores" purchases, Oberweis Dairy transactions will qualify — even if your card terms only mention a category name and not Oberweis Dairy specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Oberweis Dairy 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 5451 qualifies for bonus rewards.
Merchant Category Code 5451 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Dairy Products Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5451, all qualifying card programs that include dairy products stores 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.
Spending $200/month at Oberweis Dairy with the Freedom Flex (5x on dairy products stores) 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 Oberweis Dairy merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Oberweis Dairy use?
Oberweis Dairy uses MCC 5451 (Dairy Products Stores). Our top pick for this MCC is the Freedom Flex, which earns 5x (10.25% effective return) on dairy products stores purchases.
How much can I earn at Oberweis Dairy with the right credit card?
Spending $200/month ($2400/year) at Oberweis Dairy 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 Oberweis Dairy classified as dairy products stores for credit card rewards?
Yes. Oberweis Dairy is classified under MCC 5451 (Dairy Products Stores) by Visa and Mastercard. Cards that list 'dairy products stores' as a bonus category — such as the Freedom Flex — will apply the elevated earn rate at Oberweis Dairy.
Does my credit card earn bonus rewards at Oberweis Dairy?
If your card includes dairy products stores in its bonus categories, then yes — Oberweis Dairy's MCC 5451 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 Oberweis Dairy (MCC 5451)?
MCC 5451 (Dairy Products Stores) is shared by many similar businesses. Other stores in this category include: Kemps, Organic Valley, Stonyfield Farm, Tillamook Country Creamery. 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.
