MCC 5411 · Grocery Stores, Supermarkets · Retail
For MCC 5411 (Grocery Stores, Supermarkets) in the United States, the Bank of America Customized Cash Rewards Credit Card gives the highest cashback at 2% (cap: 2% and 3% categories combined: first $2,500 in net purchases per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), then 1%).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-09-30. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.Capital One Venture Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.Bank of America Customized Cash Rewards Credit Card
Grocery stores
Automatic 2% category. MCCs listed in the program rules. Superstores and smaller stores (like drug stores) that sell groceries are excluded. BofA Rewards / Preferred Rewards members earn 10%-75% more.
Terms checked 2026-09-30 · Issuer terms ·
3.Wells Fargo Active Cash Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
5.Blue Cash Everyday Card from American Express
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
6.Blue Cash Preferred Card from American Express
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
7.Capital One Savor Cash Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
11.U.S. Bank Cash+ Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.American Express Gold Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
2.Chase Sapphire Preferred Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.Wells Fargo Autograph Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
Highlighted merchants use MCC 5411 as their main code. Seen a different code? Report it.
For MCC 5411 (Grocery Stores, Supermarkets) in the United States, the Bank of America Customized Cash Rewards Credit Card gives the highest cashback at 2% (cap: 2% and 3% categories combined: first $2,500 in net purchases per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), then 1%).
MCC 5411 is the merchant category code for Grocery Stores, Supermarkets (Retail). MCC 5411 covers grocery stores and supermarkets selling a full line of food for home preparation, including fresh produce, meat, dairy, and packaged goods, along with household items. It is commonly confused with 5499 (Miscellaneous Food Stores, including convenience stores and specialty food shops), 5300 (Wholesale Clubs), and 5310 (Discount Stores).
Merchants in the United States seen with MCC 5411 include Fareway, 99 Ranch Market, Acme, Albertsons, Albertsons Market, Amigo, Angelo Caputo's Fresh Markets, Bashas'. A merchant's MCC can differ by payment channel, so check the code on your statement.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.