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