Plus: the best credit cards to use at Perkins Restaurant & Bakery for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Perkins Restaurant & Bakery uses MCC code 5812 (Eating places and Restaurants). The best credit card is the Hilton Honors Aspire, earning 7x rewards on this category.
Perkins Restaurant & Bakery 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.
Perkins Restaurant & Bakery uses MCC code 5812, which is classified as "Eating places and Restaurants". This determines which credit card bonus categories apply to purchases at Perkins Restaurant & Bakery.
The best credit card at Perkins Restaurant & Bakery is the Hilton Honors Aspire, which earns 7x points/miles on purchases coded as MCC 5812 (Eating places and Restaurants).
Perkins Restaurant & Bakery uses MCC 5812 (Eating places and Restaurants). This means purchases at Perkins Restaurant & Bakery do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).