Best Credit Card for Brio in 2026
Brio is classified under MCC 5812 (Eating places and Restaurants). The best card for Brio purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Does Brio accept Mastercard? Yes — Brio accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
The Brio MCC (5812) for dining at restaurants is a goldmine for credit card rewards enthusiasts, especially those with premium cards offering high earning rates in this category.
To maximize rewards, always charge full dining bills to your high-reward credit card instead of splitting payments or using multiple cards.
Spending Math
If you spend $200 monthly at Brio on your Hilton Honors Aspire card which earns 7x points, you'd rake in $168 annually compared to a measly $24 from a standard 1% cash-back card.
Brio purchases are classified under MCC 5812 (Eating places and Restaurants).
MCC Details for Brio
Best Credit Cards for Brio (2026)
How Brio Codes on Your Statement
When you pay at Brio 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, Brio transactions will qualify — even if your card terms only mention a category name and not Brio specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Brio 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 — Brio
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: Acapulco Restaurant, Another Broken Egg, Applebee's.
What You Could Earn at Brio
Spending $200/month at Brio 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 Brio merchants, earning $120/year with no annual fee.