MCC 5812

What MCC Code Does In-N-Out Burger Use?

Plus: the best credit cards to use at In-N-Out Burger for maximum rewards in 2026.

By PointsPick Team, Credit Card Research Team  ·  Updated April 2026

Quick Answer

In-N-Out Burger uses MCC code 5812 (Eating places and Restaurants). The best credit card is the Hilton Honors Aspire, earning 7x rewards on this category.

Best Credit Cards at In-N-Out Burger

In-N-Out Burger transactions are processed under MCC 5812 (Eating places and Restaurants, category: dining). These cards earn the highest rewards:

Card Earning Rate Annual Fee Issuer
Hilton Honors Aspire 7x $550/yr American Express Apply Now
Hilton Honors Surpass 6x $95/yr American Express Apply Now
Hilton Honors Business 6x $175/yr American Express Apply Now
Hilton Honors 5x No annual fee American Express Apply Now
Custom Cash 5x No annual fee Citi Apply Now

Rates and fees as of April 2026. Verify with issuer before applying.

Quick Reference

All cards for MCC 5812 In-N-Out Burger merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does In-N-Out Burger use?

In-N-Out Burger uses MCC code 5812, which is classified as "Eating places and Restaurants". This determines which credit card bonus categories apply to purchases at In-N-Out Burger.

What is the best credit card to use at In-N-Out Burger?

The best credit card at In-N-Out Burger is the Hilton Honors Aspire, which earns 7x points/miles on purchases coded as MCC 5812 (Eating places and Restaurants).

Does In-N-Out Burger qualify for grocery credit card bonuses?

In-N-Out Burger uses MCC 5812 (Eating places and Restaurants). This means purchases at In-N-Out Burger do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).