Best Credit Card for Burger King in 2026
Burger King is classified under MCC 5814 (Fast Food Restaurants). The best card for Burger King purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Burger King accept Mastercard? Yes — Burger King accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
The fast food restaurant category (MCC 5814) is essential for credit card rewards, especially if you're a frequent diner at places like Burger King. Rewards cards that offer higher points or cash back on dining tend to cover this MCC.
Maximize your rewards by using the Hilton Honors Aspire card exclusively for high-frequency dining spots like Burger King to rack up those valuable points.
Spending Math
If you spend $200 per month at Burger King with the Hilton Honors Aspire card earning 7x points, you'd earn $14 each month, totaling $168 annually. In contrast, a standard 1% cash back card would net you just $2 monthly or $24 yearly.
Burger King purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Burger King
Best Credit Cards for Burger King (2026)
How Burger King Codes on Your Statement
When you pay at Burger King 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, Burger King transactions will qualify — even if your card terms only mention a category name and not Burger King specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Burger King 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 — Burger King
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 Burger King
Spending $200/month at Burger King 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 Burger King merchants, earning $120/year with no annual fee.