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Pepperidge Farm is classified under MCC 5441 (Candy, Nut, and Confectionery Stores). The best card for Pepperidge Farm purchases is the Freedom Flex (no annual fee), earning 5x on candy, nut, and confectionery stores — an effective return of 10.25%.
Pepperidge Farm sells sweet treats like cookies and candies, making it a great fit for the travel category on credit cards. The Hilton Honors Surpass card offers up to 6x points here, turning your candy splurges into serious rewards.
Pro Tip
Combine your candy shopping with Amazon Pantry for an extra 5% back if you're using the Chase Freedom Unlimited, making Pepperidge Farm purchases even more rewarding.
When you pay at Pepperidge Farm at their locations, your card issuer sees MCC 5441 in the transaction data. This code tells your bank that the purchase was made at a candy, nut, and confectionery 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 "candy, nut, and confectionery stores" purchases, Pepperidge Farm transactions will qualify — even if your card terms only mention a category name and not Pepperidge Farm specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Pepperidge Farm 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 5441 qualifies for bonus rewards.
About MCC 5441: Candy, Nut, and Confectionery Stores
Merchant Category Code 5441 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Candy, Nut, and Confectionery Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5441, all qualifying card programs that include candy, nut, and confectionery 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.
Other Candy, Nut, and Confectionery Stores Merchants (MCC 5441)
Spending $200/month at Pepperidge Farm with the Freedom Flex (5x on candy, nut, and confectionery 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 Pepperidge Farm merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Pepperidge Farm use?
Pepperidge Farm uses MCC 5441 (Candy, Nut, and Confectionery Stores). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Pepperidge Farm.
Which credit card earns the most rewards at Pepperidge Farm?
The Freedom Flex earns 5x on candy, nut, and confectionery stores purchases (MCC 5441), making it the highest-earning option at Pepperidge Farm among the cards we track.
Does my card earn bonus rewards at Pepperidge Farm?
It depends on your card's bonus categories. If your card earns bonus rewards on candy, nut, and confectionery stores purchases, Pepperidge Farm transactions (MCC 5441) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Pepperidge Farm classified as candy, nut, and confectionery stores for credit card purposes?
Yes. Pepperidge Farm is classified under MCC 5441, which falls in the Candy, Nut, and Confectionery Stores category. This means cards with candy, nut, and confectionery stores bonus categories will apply the elevated earn rate at Pepperidge Farm.
What is MCC 5441 and what merchants use it?
MCC 5441 stands for Candy, Nut, and Confectionery Stores. It is assigned to businesses that primarily operate in general purchases at this merchant type. Besides Pepperidge Farm, 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.
