Advertiser Disclosure — This site may receive compensation when you click links and apply for credit cards. Compensation may impact which products appear and their placement. We strive to provide accurate information but cannot guarantee all details are current. Full disclosure
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.
Spending Math
If you spend $200 per month at Organic Valley with the Hilton Honors Surpass Card, you'd earn $144 in rewards annually, compared to just $24 from a generic 1% cash-back 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). 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 Organic Valley with the right credit card?
Spending $200/month ($2400/year) at Organic Valley 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 Organic Valley classified as dairy products stores for credit card rewards?
Yes. Organic Valley 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 Organic Valley.
Does my credit card earn bonus rewards at Organic Valley?
If your card includes dairy products stores in its bonus categories, then yes — Organic Valley'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 Organic Valley (MCC 5451)?
MCC 5451 (Dairy Products Stores) is shared by many similar businesses. Other stores in this category include: Kemps, Oberweis Dairy, Stonyfield Farm, Tillamook Country Creamery. The same credit card bonus rate applies at all of these merchants.
PointsPick may earn a commission when you apply through our links.
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.
