Grocery Stores, Supermarkets
Check which credit cards earn the most rewards on grocery stores, supermarkets purchases.
MCC 5411 is the Merchant Category Code for Grocery Stores and Supermarkets. Use this page when a purchase or card statement shows 5411 and you want to understand the category and compare the card rewards shown for it.
A grocery-store purchase may be categorized as MCC 5411, but merchant coding can differ from the consumer-facing store name. A purchase made through a third party may post under that intermediary’s category instead.
These are the highest-ranked grocery rewards from the current card comparison. Check each issuer’s eligibility, caps, and payment conditions.
American Express Amex Gold
4x points — U.S. supermarkets
Eligibility and caps vary by card terms.
Chase Chase Freedom Flex
5% cashback — Chase Travel portal
Eligibility and caps vary by card terms.
Chase Chase Sapphire Preferred
5x points — Chase Travel portal
Eligibility and caps vary by card terms.
These examples are based on the merchant records in the Check MCC database. A merchant can post a different code when the payment processor, marketplace, wallet, or other intermediary changes the transaction context.
| Merchant | MCC | Note |
|---|---|---|
| Kroger | 5411 | Grocery |
| Safeway | 5411 | Grocery |
| Whole Foods | 5411 | Grocery |
| Target | 5411 | Codes as grocery in the Check MCC database |
| Walmart Supercenter | 5311 | Not 5411 — department store |
| Costco | 5300 | Not 5411 — wholesale club |
Shoppers often expect Walmart or Costco purchases to count as grocery spend. Their database entries use MCC 5311 and MCC 5300 respectively, so check the posted MCC before relying on a grocery bonus. See the bonus-category FAQ.
4x points — U.S. supermarkets
2% cashback — All purchases (1% when buying + 1% when paying)
1x points — Other purchases
1x points — Other purchases
5% cashback — Chase Travel portal
purchase channel not provided
5x points — Chase Travel portal
purchase channel not provided
5x miles — Capital One Entertainment
purchase channel not provided
3% cashback — U.S. supermarkets
merchant not identified (exclusion check)
3% cashback — Grocery stores
merchant not identified (exclusion check)
2x points — Qualifying grocery, gas/EV charging, and streaming
merchant not identified (exclusion check)
Covers grocery stores and supermarkets selling food for off-premise consumption. It does not cover convenience stores without fuel (often MCC 5499 — Miscellaneous Food Stores) or restaurants (MCC 5811/5812). Big-box retailers with grocery sections may post under their own warehouse/department-store code rather than 5411, which is why grocery bonus categories sometimes miss.
The table above lists merchants verified in the Check MCC database as coding 5411, along with common false friends that use MCC 5311 or MCC 5300 instead.
They mean the same thing: 5411 is the four-digit Merchant Category Code, and “merchant code” is shorthand for Merchant Category Code.
MCC 5411 is the category for Grocery Stores and Supermarkets. The exact code posted for a purchase can still vary by merchant, processor, or intermediary.
MCC 5411 identifies grocery stores and supermarkets. Card issuers may use it as one input when applying grocery rewards; check your card terms and the posted transaction.
The CheckMCC database lists Kroger, Safeway, Whole Foods, and Target as MCC 5411 examples. The posted code may vary by location, payment path, or processor.
The CheckMCC database lists Walmart Supercenter as MCC 5311 and Costco as MCC 5300, rather than 5411. Verify the code on your own transaction before relying on grocery rewards.
It is the four-digit code card networks assign to grocery stores, supermarkets transactions. Issuers read this code to apply bonus rewards.
See the ranking above — it shows each card’s rate on this code and whether the bonus is verified.
The transaction posts under the MCC the acquirer registered, which can differ from what you expect (marketplaces, wallets and booking intermediaries often re-code). Verify the code before large purchases.