Meal kit and food delivery company.

Technical Note: Home Chef transactions typically report under MCC codes: 5411, 5812. This helps determine which card multiplier applies.

Ranked Card Rewards at Home Chef

CardRateCash / $100 ? Liquidation floor for this currency (Statement credit/Bank deposit).Credits/moNetwork PerkWhy it Wins
Amex Blue Cash Everyday1x
Cash
$1.00$15.00Credit + Base Rate
Hilton Honors American Express Aspire Card7x
Hilton Points
$7.00Restaurants Category
Hilton Honors American Express Surpass Card6x
Hilton Points
$6.00Restaurants Category
Amex Hilton Honors5x
Hilton Points
$5.00Restaurants Category
IHG One Rewards Premier Business Credit Card5x
Ihg Points
$5.00Travel, Dining, Gas, Select Business Categories Category
IHG One Rewards Premier Credit Card5x
Ihg Points
$5.00Travel, Dining, Gas Category
Citi Prestige Card5x
Thankyou Points
$5.00Restaurants Category
Marriott Bonvoy Bevy American Express Card4x
Marriott Points
$4.00Restaurants Category
Amex Hilton Honors Business Card3x
Hilton Points
$3.00Base Rate
Marriott Bonvoy American Express Card3x
Marriott Points
$3.00Restaurants Category
Marriott Bonvoy Brilliant American Express Card3x
Marriott Points
$3.00Restaurants Category
Chase Aeroplan® Credit Card3x
Aeroplan Points
$3.00Groceries Category
DoorDash Rewards Mastercard®3x
Cash
$3.00Dining at Restaurants Category
Chase Freedom Flex℠3x
Chase Points
$3.00Dining Category
Chase Freedom Unlimited®3x
Chase Points
$3.00Dining Category
IHG One Rewards Traveler Credit Card3x
Ihg Points
$3.00Gas, Dining, Utilities, Streaming Category
Marriott Bonvoy Boundless® Credit Card3x
Marriott Points
$3.00Dining, Groceries Category
Marriott Bonvoy Bountiful™ Credit Card3x
Marriott Points
$3.00Dining, Groceries, Gas, Transit Category
Chase Sapphire Preferred3x
Chase Points
$3.00Dining Category
Chase Sapphire Reserve®3x
Chase Points
$3.00Dining Category
Robinhood Gold Card3x
Cash
$3.00Base Rate
Gold Rewards Card4x
Amex Points
$2.40Restaurants Category
Amex Graphite® Business Cash Unlimited Card2x
Cash
$2.00Base Rate
Amex Marriott Bonvoy Business Card2x
Marriott Points
$2.00Base Rate
Amex Delta SkyMiles Blue2x
Delta Miles
$2.00Restaurants Category
Amex Delta SkyMiles Gold2x
Delta Miles
$2.00Restaurants Category
Amex Delta SkyMiles Platinum2x
Delta Miles
$2.00Restaurants Category
Amazon Prime Visa2x
Cash
$2.00Gas Stations, Restaurants, Transit, Commuting Category
Amazon Visa2x
Cash
$2.00Gas Stations, Restaurants, Transit, Commuting Category
World of Hyatt Business Credit Card2x
Hyatt Points
$2.00Dining Category
Ink Business Cash® Credit Card2x
Chase Points
$2.00Gas, Dining Category
Ink Business Premier® Credit Card2x
Cash
$2.00Base Rate
United℠ Business Card2x
United Miles
$2.00United Purchases, Dining, Gas, Office Supplies, Transit Category
United Club℠ Business Card2x
United Miles
$2.00Dining Category
Disney® Inspire Visa® Card2x
Disney Rewards Dollars
$2.00Grocery Stores, Restaurants Category
Disney® Premier Visa® Card2x
Disney Rewards Dollars
$2.00Gas Stations, Grocery Stores, Restaurants, U.S. Disney Locations Category
World of Hyatt Credit Card2x
Hyatt Points
$2.00Dining Category
Instacart Mastercard®2x
Cash
$2.00Restaurants, Gas Stations, Select Streaming Category
Marriott Bonvoy Bold® Credit Card2x
Marriott Points
$2.00Base Rate
United Club℠ Infinite Card2x
United Miles
$2.00Dining Category
United℠ Explorer Card2x
United Miles
$2.00Dining Category
United Quest℠ Card2x
United Miles
$2.00Dining Category
Amex Green Card3x
Amex Points
$1.80Restaurants Category
Amex Cash Magnet2x
Cash
$1.50Base Rate
Chase Ink Business Unlimited®2x
Chase Points
$1.50Base Rate
Amex Blue Cash Preferred1x
Cash
$1.00Base Rate
Amex Blue Business Cash Card1x
Cash
$1.00Base Rate
Amex Delta SkyMiles® Gold Business Card1x
Delta Miles
$1.00Base Rate
Amex Delta SkyMiles® Platinum Business Card1x
Delta Miles
$1.00Base Rate
Amex Delta SkyMiles® Reserve Business Card1x
Delta Miles
$1.00Base Rate
Delta SkyMiles Reserve American Express Card1x
Delta Miles
$1.00Base Rate
Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley1x
Cash
$1.00Base Rate
Ink Business Preferred® Credit Card1x
Chase Points
$1.00Base Rate
Southwest® Rapid Rewards® Performance Business Credit Card1x
Southwest Points
$1.00Base Rate
Southwest® Rapid Rewards® Premier Business Credit Card1x
Southwest Points
$1.00Base Rate
Disney® Visa® Card1x
Disney Rewards Dollars
$1.00Base Rate
Southwest Rapid Rewards® Plus Credit Card1x
Southwest Points
$1.00Base Rate
Southwest Rapid Rewards® Premier Credit Card1x
Southwest Points
$1.00Base Rate
Southwest Rapid Rewards® Priority Credit Card1x
Southwest Points
$1.00Base Rate
United Gateway℠ Credit Card1x
United Miles
$1.00Base Rate
The Blue Business Plus Credit Card from American Express1x
Amex Points
$0.60Base Rate
Amex Business Gold Card1x
Amex Points
$0.60Base Rate
Business Green Rewards Card from American Express1x
Amex Points
$0.60Base Rate
Amex Business Platinum Card®1x
Amex Points
$0.60Base Rate
Centurion Card from American Express1x
Amex Points
$0.60Base Rate
Amex EveryDay1x
Amex Points
$0.60Base Rate
Amex Platinum Card1x
Amex Points
$0.60Base Rate

How we calculate this

We join merchant transaction data (MCCs) with card reward structures to find the highest effective yield. For points programs, we assume a live valuation (e.g., 1 cent per Chase point) to provide a comparable “Cash Value” metric.


Suggested Merchant Category Codes (MCC)

The following categories are typically used by payment networks (Visa, Mastercard, Amex) to classify this merchant. These codes determine the reward yield for specific credit cards.

MCC-5411 ISO 18245
Grocery Stores and Supermarkets
full line of food merchandise for home consumption. Grocery Provisioners Merchant’s total monthly sales volume, measured in Convenience Stores and Specialty local currency. In addition, they also sell canned, Markets frozen, prepackaged, and dry foods, a limited selection of housewares, cleaning and polishing products, personal hygiene products, cosmetics, greeting cards, books, magazines, household items, and dry goods. These Merchants may also operate specialized departments such as an in-store deli counter, meat counter, pharmacy, or floral MCC department. * Perishable goods include the following: • Bakery - in store (service) • Bread and baked goods - fresh • Dairy - butter, margarine, cottage cheese, sour cream, toppings, dough products, eggs, juices/drinks (refrigerated), milk, pudding, desserts, snacks, spreads, dips, and yogurt • Deli - in store (service) • Deli - refrigerated (self service) • Frozen foods - baked goods, breakfast foods, desserts, fruits, toppings, frozen novelties, ice, ice cream, juices, drinks, meal starters, pizza, snacks, hors d’oeuvres, prepared foods, unprepared meat, poultry, seafood, vegetables • Meat, fish, poultry - fresh • Packaged meat - deli • Fresh produce • Floral
MCC-5812 ISO 18245
Eating Places and located within the airport terminal that sell food, Restaurants
newspapers, and/or gift or souvenir items must be Newsstands Merchant’s premises. These Merchants typically Diners - Eating Convenience Stores and Specialty provide table service and may include alcoholic Establishments Markets Soda Fountains delivery for Merchants qualifying for this MCC. Beverages) - Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques