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
Stonyfield Farm is classified under MCC 5451 (Dairy Products Stores). The best card for Stonyfield Farm purchases is the Freedom Flex (no annual fee), earning 5x on dairy products stores — an effective return of 10.25%.
If you're a fan of Stonyfield Farm's organic yogurts and smoothies, the Dairy Products Stores category is crucial for maximizing your credit card rewards. Cards like the Hilton Honors Surpass offer generous 6x points here.
Pro Tip
To maximize your rewards, consider batching your purchases or using delivery services for larger orders to hit those higher earning thresholds.
When you pay at Stonyfield Farm 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, Stonyfield Farm transactions will qualify — even if your card terms only mention a category name and not Stonyfield Farm specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Stonyfield 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 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 Stonyfield Farm 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 Stonyfield Farm merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Stonyfield Farm use?
Stonyfield Farm uses MCC 5451 (Dairy Products Stores). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Stonyfield Farm.
Which credit card earns the most rewards at Stonyfield Farm?
The Freedom Flex earns 5x on dairy products stores purchases (MCC 5451), making it the highest-earning option at Stonyfield Farm among the cards we track.
Does my card earn bonus rewards at Stonyfield Farm?
It depends on your card's bonus categories. If your card earns bonus rewards on dairy products stores purchases, Stonyfield Farm transactions (MCC 5451) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Stonyfield Farm classified as dairy products stores for credit card purposes?
Yes. Stonyfield Farm 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 Stonyfield Farm.
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 Stonyfield Farm, other merchants in the same MCC include similar businesses in the retail industry group.
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: March 16, 2026.
Full methodology: www.pointspick.com/methodology.
