MCC 5462 · Bakeries · Food
For MCC 5462 (Bakeries) 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 5462 as their main code. Seen a different code? Report it.
For MCC 5462 (Bakeries) 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 5462 is the merchant category code for Bakeries (Food). Covers bakeries selling bread, cakes, pastries and other baked goods, typically for takeaway. Cafes and restaurants that bake on site but primarily serve food and drink for consumption on premises are usually coded 5812 or 5814 instead. Wholesale bakery suppliers may use other codes.
Merchants in the United States seen with MCC 5462 include Fabrique, Cinnaholic, COBS Bread, Cookies by Design, Crumbl Cookies, Franz, Gigi's Cupcakes, Goldilocks. 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.