Advertiser Disclosure — This site may receive compensation when you click links and apply for credit cards. Compensation may impact which products appear and their placement. We strive to provide accurate information but cannot guarantee all details are current. Full disclosure
Arby's - Colorado Springs is classified under MCC 5814 (Fast Food Restaurants). The best card for Arby's - Colorado Springs purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
How Arby's - Colorado Springs Codes on Your Statement
When you pay at Arby's - Colorado Springs at their locations, your card issuer sees MCC 5814 in the transaction data. This code tells your bank that the purchase was made at a fast food 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 "fast food restaurants" purchases, Arby's - Colorado Springs transactions will qualify — even if your card terms only mention a category name and not Arby's - Colorado Springs specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Arby's - Colorado Springs 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 5814 qualifies for bonus rewards.
Merchant Category Code 5814 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Fast Food Restaurants industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5814, all qualifying card programs that include fast food 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.
Spending $200/month at Arby's - Colorado Springs with the Ink Business Cash (5x on fast food 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 Arby's - Colorado Springs merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Arby's - Colorado Springs use?
Arby's - Colorado Springs uses MCC 5814 (Fast Food Restaurants). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Arby's - Colorado Springs.
Which credit card earns the most rewards at Arby's - Colorado Springs?
The Ink Business Cash earns 5x on fast food restaurants purchases (MCC 5814), making it the highest-earning option at Arby's - Colorado Springs among the cards we track.
Does my card earn bonus rewards at Arby's - Colorado Springs?
It depends on your card's bonus categories. If your card earns bonus rewards on fast food restaurants purchases, Arby's - Colorado Springs transactions (MCC 5814) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Arby's - Colorado Springs classified as fast food restaurants for credit card purposes?
Yes. Arby's - Colorado Springs is classified under MCC 5814, which falls in the Fast Food Restaurants category. This means cards with fast food restaurants bonus categories will apply the elevated earn rate at Arby's - Colorado Springs.
What is MCC 5814 and what merchants use it?
MCC 5814 stands for Fast Food Restaurants. It is assigned to businesses that primarily operate in fast food and quick-service chains. Besides Arby's - Colorado Springs, other merchants in the same MCC include similar businesses in the dining industry group.
PointsPick may earn a commission when you apply through our links.
Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: April 04, 2026.
Full methodology: www.pointspick.com/methodology.
