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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.
Spending Math
Spending $200 monthly at Stonyfield Farm with a Hilton Honors Surpass would earn you $144 annually compared to just $24 on a basic 1% cashback card, showing the significant reward disparity.
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). 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 Stonyfield Farm with the right credit card?
Spending $200/month ($2400/year) at Stonyfield Farm 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 Stonyfield Farm classified as dairy products stores for credit card rewards?
Yes. Stonyfield Farm 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 Stonyfield Farm.
Does my credit card earn bonus rewards at Stonyfield Farm?
If your card includes dairy products stores in its bonus categories, then yes — Stonyfield Farm'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 Stonyfield Farm (MCC 5451)?
MCC 5451 (Dairy Products Stores) is shared by many similar businesses. Other stores in this category include: Kemps, Oberweis Dairy, Organic Valley, 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.
