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Organic Valley is classified under MCC 5451 (Dairy Products Stores). The best card for Organic Valley purchases is the Freedom Flex (no annual fee), earning 5x on dairy products stores — an effective return of 10.25%.
Organic Valley stores are perfect for dairy lovers who want to earn more rewards on their food spending. Cards like the Hilton Honors Surpass Card offer a generous 6x points for grocery store purchases, making them ideal.
Pro Tip
Maximize your rewards by timing visits to Organic Valley when dairy products go on sale and use your high-earning card.
When you pay at Organic Valley 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, Organic Valley transactions will qualify — even if your card terms only mention a category name and not Organic Valley specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Organic Valley 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 Organic Valley 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 Organic Valley merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Organic Valley use?
Organic Valley uses MCC 5451 (Dairy Products Stores). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Organic Valley.
Which credit card earns the most rewards at Organic Valley?
The Freedom Flex earns 5x on dairy products stores purchases (MCC 5451), making it the highest-earning option at Organic Valley among the cards we track.
Does my card earn bonus rewards at Organic Valley?
It depends on your card's bonus categories. If your card earns bonus rewards on dairy products stores purchases, Organic Valley transactions (MCC 5451) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Organic Valley classified as dairy products stores for credit card purposes?
Yes. Organic Valley is classified under MCC 5451, which falls in the Dairy Products Stores category. This means cards with dairy products stores bonus categories will apply the elevated earn rate at Organic Valley.
What is MCC 5451 and what merchants use it?
MCC 5451 stands for Dairy Products Stores. It is assigned to businesses that primarily operate in general purchases at this merchant type. Besides Organic Valley, other merchants in the same MCC include similar businesses in the retail industry group.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: March 16, 2026.
Full methodology: www.pointspick.com/methodology.
