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PreSwipe  /  Merchants  /  Panera (bakery items)

Does Panera (bakery items)
code as Dining?

Know exactly how your credit card will categorize a purchase at Panera (bakery items) — before you tap.

Codes as expected
VisaMastercardAmexDiscover
MCC Code
5462
Category
Bakeries
Reward Category
Dining
Confirmed by
PreSwipe team
Best cards for Panera (bakery items)
Hilton Honors Amex Surpass
6x pts on dining
6x pts
Citi Custom Cash
5% back on top spend category (auto)
5% back
Amex Gold
4x MR on dining
4x MR
Amex Green
3x MR on dining
3x MR
Chase Sapphire Reserve
3x UR on dining
3x UR
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Frequently asked questions
What MCC code does Panera (bakery items) use?
Panera (bakery items) uses MCC 5462 — Bakeries. This is the four-digit Merchant Category Code assigned to Panera (bakery items) by card networks and determines how your purchase is categorized for rewards.
Does Panera (bakery items) count as bakeries for credit card rewards?
Yes — Panera (bakery items) codes as Bakeries (MCC 5462), so purchases here should earn bonus rewards on cards that offer a bakeries category bonus.
Which credit card earns the most rewards at Panera (bakery items)?
The best card depends on how Panera (bakery items) codes. Since it uses MCC 5462 (Bakeries), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.