Best Credit Card for Banh Mi Saigon in 2026
Banh Mi Saigon is classified under MCC 5814 (Fast Food Restaurants). The best card for Banh Mi Saigon purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Banh Mi Saigon accept Mastercard? Yes — Banh Mi Saigon accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
MCC 5814 covers fast food restaurants, making it ideal for credit cards with dining categories, especially if you're a frequent eater at places like Banh Mi Saigon.
To maximize rewards, use your dining-focused credit cards like the Hilton Honors Aspire for regular meals at Banh Mi Saigon.
Spending Math
If you spend $200 a month at Banh Mi Saigon, the Hilton Honors Aspire card earns you $14.00 monthly or $168.00 annually compared to just $24.00 over a year with a standard 1% cash back card.
Banh Mi Saigon purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Banh Mi Saigon
Best Credit Cards for Banh Mi Saigon (2026)
How Banh Mi Saigon Codes on Your Statement
When you pay at Banh Mi Saigon 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, Banh Mi Saigon transactions will qualify — even if your card terms only mention a category name and not Banh Mi Saigon specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Banh Mi Saigon 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 — Banh Mi Saigon
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 Banh Mi Saigon
Spending $200/month at Banh Mi Saigon 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 Banh Mi Saigon merchants, earning $120/year with no annual fee.