Best Credit Card for BGR The Burger Joint in 2026
BGR The Burger Joint is classified under MCC 5814 (Fast Food Restaurants). The best card for BGR The Burger Joint purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does BGR The Burger Joint accept Mastercard? Yes — BGR The Burger Joint accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Fast food joints like BGR The Burger Joint are great for dining category rewards cards, often falling under the broader fast food MCC code. If you're a frequent burger eater, it's worth keeping an eye on your card's dining perks.
To maximize your rewards, carry your dining-focused credit cards exclusively when hitting up places like BGR The Burger Joint.
Spending Math
If you spend $200 per month at BGR The Burger Joint, the Hilton Honors Aspire Card would earn you $168 annually with its 7x points for fast food purchases. Compare that to a mere $24 yearly if you used a standard 1% cash back card.
BGR The Burger Joint purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for BGR The Burger Joint
Best Credit Cards for BGR The Burger Joint (2026)
How BGR The Burger Joint Codes on Your Statement
When you pay at BGR The Burger Joint 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, BGR The Burger Joint transactions will qualify — even if your card terms only mention a category name and not BGR The Burger Joint specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any BGR The Burger Joint 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 — BGR The Burger Joint
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 BGR The Burger Joint
Spending $200/month at BGR The Burger Joint 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 BGR The Burger Joint merchants, earning $120/year with no annual fee.