Best Credit Card for Chili's in 2026
Chili's is classified under MCC 5812 (Eating places and Restaurants). The best card for Chili's purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Does Chili's accept Mastercard? Yes — Chili's accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
MCC 5812 covers restaurants like Chili's, making it a key category for food and dining rewards on cards like the Hilton Honors Aspire.
Maximize rewards by ordering from the bar menu at Chili's, as it often qualifies for higher dining category bonuses on many credit cards.
Spending Math
If you spend $200 at Chili's each month with the Hilton Honors Aspire card, earning 7x points, that's $168 in extra value annually compared to just using a standard 1% cash-back card which would earn only $24.
Chili's purchases are classified under MCC 5812 (Eating places and Restaurants).
MCC Details for Chili's
Best Credit Cards for Chili's (2026)
How Chili's Codes on Your Statement
When you pay at Chili'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, Chili's transactions will qualify — even if your card terms only mention a category name and not Chili's specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Chili'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.
Bonus Category Match — Chili's
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 Chili's
Spending $200/month at Chili'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 Chili's merchants, earning $120/year with no annual fee.