HelloFresh

HelloFresh is one of the most popular meal kit delivery services in the world, sending pre-portioned ingredients and recipes directly to your door. Because this is a high-cost weekly subscription, optimizing the credit card on file is critical.

The Meal Kit Coding Conundrum

Meal kits are notoriously difficult to categorize, and HelloFresh is a prime example. Depending on the exact billing processor and your credit card network, HelloFresh will code as either:

• Grocery Stores / Supermarkets (MCC 5411)
• Eating Places and Restaurants (MCC 5812)

Generally, Visa and Mastercard tend to code HelloFresh as a Grocery Store, while American Express often codes it as a Restaurant.

Credit Card Strategy

Because of the split coding, the absolute safest and most lucrative card to use is the A top-tier dining card Card. A top-tier dining card earns 4x points on both US Supermarkets and Dining, meaning regardless of how the transaction codes, you are guaranteed to earn 4x points on your weekly subscription.

If you don’t have a card that bonuses both, monitor your first statement closely to see how it codes, and adjust your payment method accordingly.

Card Rewards