Best Credit Card for Chipotle Mexican Grill in 2026
Chipotle Mexican Grill is classified under MCC 5814 (Fast Food Restaurants). The best card for Chipotle Mexican Grill purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Chipotle Mexican Grill accept Mastercard? Yes — Chipotle Mexican Grill accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
The fast food restaurant category (MCC 5814) includes places like Chipotle, making it a great fit for travel rewards cards that offer bonus points here.
Load your debit or credit card onto Apple Pay for seamless contactless payments and automatic rewards without any manual effort.
Spending Math
If you spend $200 monthly at Chipotle with the Hilton Honors Aspire card earning 7x points, you'd earn $168 annually compared to just $24 on a generic 1% cashback card.
Chipotle Mexican Grill purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Chipotle Mexican Grill
Best Credit Cards for Chipotle Mexican Grill (2026)
How Chipotle Mexican Grill Codes on Your Statement
When you pay at Chipotle Mexican Grill 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, Chipotle Mexican Grill transactions will qualify — even if your card terms only mention a category name and not Chipotle Mexican Grill specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Chipotle Mexican Grill 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 — Chipotle Mexican Grill
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 Chipotle Mexican Grill
Spending $200/month at Chipotle Mexican Grill 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 Chipotle Mexican Grill merchants, earning $120/year with no annual fee.