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Checkers/Rally's is classified under MCC 5812 (Eating places and Restaurants). The best card for Checkers/Rally's purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
MCC 5812 covers restaurants and fast food joints, making it a great fit for cards that reward dining. The Hilton Honors Aspire Card offers an impressive 7x points at these places.
Pro Tip
To maximize rewards, sign up for Checkers/Rally's loyalty program to get special discounts and deals that can increase your overall savings.
When you pay at Checkers/Rally's 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, Checkers/Rally's transactions will qualify — even if your card terms only mention a category name and not Checkers/Rally's specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Checkers/Rally's 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.
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 (MCC 5812)
Spending $200/month at Checkers/Rally's 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 Checkers/Rally's merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Checkers/Rally's use?
Checkers/Rally's uses MCC 5812 (Eating places and Restaurants). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Checkers/Rally's.
Which credit card earns the most rewards at Checkers/Rally's?
The Ink Business Cash earns 5x on eating places and restaurants purchases (MCC 5812), making it the highest-earning option at Checkers/Rally's among the cards we track.
Does my card earn bonus rewards at Checkers/Rally's?
It depends on your card's bonus categories. If your card earns bonus rewards on eating places and restaurants purchases, Checkers/Rally's transactions (MCC 5812) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Checkers/Rally's classified as eating places and restaurants for credit card purposes?
Yes. Checkers/Rally's is classified under MCC 5812, which falls in the Eating places and Restaurants category. This means cards with eating places and restaurants bonus categories will apply the elevated earn rate at Checkers/Rally's.
What is MCC 5812 and what merchants use it?
MCC 5812 stands for Eating places and Restaurants. It is assigned to businesses that primarily operate in sit-down and fast-casual restaurants. Besides Checkers/Rally's, other merchants in the same MCC include similar businesses in the dining industry group.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: March 16, 2026.
Full methodology: www.pointspick.com/methodology.
