Plus: the best credit cards to use at Wendy's for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Wendy's uses MCC code 5814 (Fast Food Restaurants). The best credit card is the Hilton Honors Aspire, earning 7x rewards on this category.
Wendy's transactions are processed under MCC 5814 (Fast Food 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.
Wendy's uses MCC code 5814, which is classified as "Fast Food Restaurants". This determines which credit card bonus categories apply to purchases at Wendy's.
The best credit card at Wendy's is the Hilton Honors Aspire, which earns 7x points/miles on purchases coded as MCC 5814 (Fast Food Restaurants).
Wendy's uses MCC 5814 (Fast Food Restaurants). This means purchases at Wendy's do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).