MCC 5814: Fast Food Restaurants — Credit Card Bonus Rates
MCC 5814 covers FAST FOOD 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, Burger King, and KFC are examples of fast food restaurants with MCC 5814. Purchases at these chains, including combo meals or coffee orders, get coded here.
Cardholders often think only burger joints fall under this code, but it includes all types of quick-service dining like pizza places and taco stands too.
83 Cards That Earn Bonus on MCC 5814
Merchants Using MCC 5814
Related MCC Codes
MCC 5814 (Fast Food Restaurants) covers 1689 merchants in our database. 83 credit cards earn elevated rewards on fast food restaurants transactions. The top earning rate is 5x from the Ink Business Cash.
Frequently Asked Questions
What is MCC code 5814? +
MCC 5814 stands for Fast Food Restaurants. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the dining category. Our database tracks 1689 merchants with this code.
What types of businesses use MCC 5814? +
Merchants classified under MCC 5814 (Fast Food Restaurants) operate in the dining sector. Card networks assign this code during merchant onboarding based on the primary business activity. Examples include Arby's, Arby's - Albuquerque, Arby's - Anaheim, Arby's - Anchorage.
Which credit cards earn bonus rewards at MCC 5814 merchants? +
The top cards for MCC 5814 (Fast Food 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 5814 merchants? +
83 credit cards in our database earn elevated rewards on MCC 5814 (Fast Food 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 5814? +
MCC 5814 covers 1689 merchants in our database, including Arby's, Arby's - Albuquerque, Arby's - Anaheim, Arby's - Anchorage, and 1685 more. All purchases at these merchants post as 'Fast Food Restaurants' and trigger dining category bonus rates on eligible credit cards.
Does Arby's count as dining for credit card rewards? +
Yes. Arby's is classified under MCC 5814 (Fast Food 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 5814 and MCC 5811? +
MCC 5814 (Fast Food Restaurants) and MCC 5811 (Caterers) are both in the dining category but cover distinct merchant types. MCC 5814 is used for fast food 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.