Best Credit Card for Chipotle Digital in 2026
Chipotle Digital is classified under MCC 5812 (Eating places and Restaurants). The best card for Chipotle Digital purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Does Chipotle Digital accept Mastercard? Yes — Chipotle Digital accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Chipotle Digital is a great fit for rewards credit cards because dining out is often categorized under the eating places MCC (5812), which can earn significant points or cashback, especially with high-tier cards.
Optimize your rewards by using the Chipotle app or website to track your dining spend and ensure you're maximizing points with high-tier credit cards.
Spending Math
If you spend $200 monthly at Chipotle Digital on your Hilton Honors Aspire card earning 7x points, that's $168 in annual rewards. A basic 1% cashback card would earn just $24 annually for the same spending.
Chipotle Digital purchases are classified under MCC 5812 (Eating places and Restaurants).
MCC Details for Chipotle Digital
Best Credit Cards for Chipotle Digital (2026)
How Chipotle Digital Codes on Your Statement
When you pay at Chipotle Digital in the app or online, 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, Chipotle Digital transactions will qualify — even if your card terms only mention a category name and not Chipotle Digital specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Chipotle Digital 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 — Chipotle Digital
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 Chipotle Digital
Spending $200/month at Chipotle Digital 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 Chipotle Digital merchants, earning $120/year with no annual fee.