Best Credit Card for Acapulco Restaurant in 2026
Acapulco Restaurant is classified under MCC 5812 (Eating places and Restaurants). The best card for Acapulco Restaurant purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Does Acapulco Restaurant accept Mastercard? Yes — Acapulco Restaurant accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
MCC 5812 covers restaurants, making it crucial for dining rewards enthusiasts. The Hilton Honors Aspire card offers a whopping 7x points here.
Use your top-tier dining rewards card like the Hilton Honors Aspire for big meals to maximize point earnings.
Spending Math
If you drop $200 monthly at Acapulco Restaurant, the Hilton Honors Aspire would earn you $14 per month or $168 annually. A standard 1% cash back card would only net you $2 a month and $24 yearly.
Acapulco Restaurant purchases are classified under MCC 5812 (Eating places and Restaurants).
MCC Details for Acapulco Restaurant
Best Credit Cards for Acapulco Restaurant (2026)
How Acapulco Restaurant Codes on Your Statement
When you pay at Acapulco Restaurant at their locations, your card issuer sees MCC 5812 in the transaction data. This code tells your bank that the purchase was made at a eating places and restaurants merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "eating places and restaurants" purchases, Acapulco Restaurant transactions will qualify — even if your card terms only mention a category name and not Acapulco Restaurant specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Acapulco Restaurant transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5812 qualifies for bonus rewards.
Bonus Category Match — Acapulco Restaurant
About MCC 5812: Eating places and Restaurants
Merchant Category Code 5812 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Eating places and Restaurants industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5812, all qualifying card programs that include eating places and restaurants as a bonus category will apply the elevated earn rate.
The Dining industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Eating places and Restaurants merchants: Another Broken Egg, Applebee's, Applebee's - Albuquerque.
What You Could Earn at Acapulco Restaurant
Spending $200/month at Acapulco Restaurant with the Ink Business Cash (5x on eating places and restaurants) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.
Prefer no annual fee? The Custom Cash earns 5x at Acapulco Restaurant merchants, earning $120/year with no annual fee.