MCC 5812: Eating places and Restaurants — Credit Card Bonus Rates
MCC 5812 covers EATING PLACES AND RESTAURANTS merchants, classified under dining. The top card is Ink Business Cash earning 5X. 83 cards earn elevated rewards at these merchants. MCC Lookup Tool to find which cards earn bonus rewards here.
McDonald's, Subway, and Starbucks all use MCC 5812. This category includes any food purchases from restaurants, cafes, or quick-service eateries.
Cardholders might be surprised to see fast-food chains coded under the same MCC as high-end dining establishments.
83 Cards That Earn Bonus on MCC 5812
Merchants Using MCC 5812
Related MCC Codes
MCC 5812 (Eating places and Restaurants) covers 1022 merchants in our database. 83 credit cards earn elevated rewards on eating places and restaurants transactions. The top earning rate is 5x from the Ink Business Cash.
Frequently Asked Questions
What is MCC code 5812? +
MCC 5812 stands for Eating places and Restaurants. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the dining category. Our database tracks 1022 merchants with this code.
What types of businesses use MCC 5812? +
Merchants classified under MCC 5812 (Eating places and Restaurants) operate in the dining sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include Acapulco Restaurant, Another Broken Egg, Applebee's, Applebee's - Albuquerque.
Which credit cards earn bonus rewards at MCC 5812 merchants? +
The top cards for MCC 5812 (Eating places and Restaurants) are: Ink Business Cash (10x); Sapphire Reserve Business (8x); Business Gold (8x). These cards earn elevated rates specifically in the dining category. Use our card comparison above to see full bonus rates and annual fees.
How many credit cards earn bonus rewards at MCC 5812 merchants? +
83 credit cards in our database earn elevated rewards on MCC 5812 (Eating places and Restaurants) purchases. The top rate is 10x from the Ink Business Cash. Use the card grid above to compare all rates and annual fees.
What merchants are classified under MCC 5812? +
MCC 5812 covers 1022 merchants in our database, including Acapulco Restaurant, Another Broken Egg, Applebee's, Applebee's - Albuquerque, and 1018 more. All purchases at these merchants post as 'Eating places and Restaurants' and trigger dining category bonus rates on eligible credit cards.
Does Acapulco Restaurant count as dining for credit card rewards? +
Yes. Acapulco Restaurant is classified under MCC 5812 (Eating places and Restaurants), which falls in the dining category. Cards with dining bonus categories will apply the elevated earn rate — the top option earns 10x at qualifying merchants in this code.
What is the difference between MCC 5812 and MCC 5811? +
MCC 5812 (Eating places and Restaurants) and MCC 5811 (Caterers) are both in the dining category but cover distinct merchant types. MCC 5812 is used for eating places and restaurants businesses, while MCC 5811 is assigned to caterers merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.