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Tom Thumb is classified under MCC 5411 (Grocery Stores, Supermarkets). The best card for Tom Thumb purchases is the Freedom Flex (no annual fee), earning 5x on grocery stores, supermarkets — an effective return of 10.25%.
Grocery stores like Tom Thumb are a big part of everyday spending, and the right credit cards can turn your weekly shop into serious rewards.
Pro Tip
To supercharge your rewards, always use your high-earning grocery card for bulk purchases and special sales at Tom Thumb.
When you pay at Tom Thumb at their locations, your card issuer sees MCC 5411 in the transaction data. This code tells your bank that the purchase was made at a grocery stores, supermarkets merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "grocery stores, supermarkets" purchases, Tom Thumb transactions will qualify — even if your card terms only mention a category name and not Tom Thumb specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Tom Thumb 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 5411 qualifies for bonus rewards.
Merchant Category Code 5411 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Grocery Stores, Supermarkets industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5411, all qualifying card programs that include grocery stores, supermarkets 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 Grocery Stores, Supermarkets Merchants (MCC 5411)
Spending $200/month at Tom Thumb with the Freedom Flex (5x on grocery stores, supermarkets) 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 Tom Thumb merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Tom Thumb use?
Tom Thumb uses MCC 5411 (Grocery Stores, Supermarkets). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Tom Thumb.
Which credit card earns the most rewards at Tom Thumb?
The Freedom Flex earns 5x on grocery stores, supermarkets purchases (MCC 5411), making it the highest-earning option at Tom Thumb among the cards we track.
Does my card earn bonus rewards at Tom Thumb?
It depends on your card's bonus categories. If your card earns bonus rewards on grocery stores, supermarkets purchases, Tom Thumb transactions (MCC 5411) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Tom Thumb classified as grocery stores, supermarkets for credit card purposes?
Yes. Tom Thumb is classified under MCC 5411, which falls in the Grocery Stores, Supermarkets category. This means cards with grocery stores, supermarkets bonus categories will apply the elevated earn rate at Tom Thumb.
What is MCC 5411 and what merchants use it?
MCC 5411 stands for Grocery Stores, Supermarkets. It is assigned to businesses that primarily operate in grocery and supermarket purchases. Besides Tom Thumb, 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: April 04, 2026.
Full methodology: www.pointspick.com/methodology.
