Best Credit Card for Baja Fresh in 2026
Baja Fresh is classified under MCC 5814 (Fast Food Restaurants). The best card for Baja Fresh purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Baja Fresh accept Mastercard? Yes — Baja Fresh accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
MCC 5814 covers fast food restaurants like Baja Fresh, which are often excluded from most credit card categories but can still earn valuable points if your card offers a broad 'dining' category.
Check if your dining category credit card covers fast food restaurants before swiping, as it can make the difference between earning points and getting nada.
Spending Math
If you spend $200 a month at Baja Fresh with the Hilton Honors Aspire, you'd earn $14.00 in rewards monthly or $168 annually, compared to just $24 for a basic 1% cash-back card.
Baja Fresh purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Baja Fresh
Best Credit Cards for Baja Fresh (2026)
How Baja Fresh Codes on Your Statement
When you pay at Baja Fresh 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, Baja Fresh transactions will qualify — even if your card terms only mention a category name and not Baja Fresh specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Baja Fresh 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.
Bonus Category Match — Baja Fresh
About MCC 5814: Fast Food Restaurants
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.
Other Fast Food Restaurants merchants: Arby's, Arby's - Albuquerque, Arby's - Anaheim.
What You Could Earn at Baja Fresh
Spending $200/month at Baja Fresh 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 Baja Fresh merchants, earning $120/year with no annual fee.