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Cold Stone Creamery is classified under MCC 5814 (Fast Food Restaurants). The best card for Cold Stone Creamery purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
The Fast Food Restaurants category (MCC 5814) can be a gold mine for credit card rewards, especially if you're someone who enjoys indulging in treats like Cold Stone Creamery.
Pro Tip
To maximize your credit card rewards, check if Cold Stone Creamery offers any co-branded or partner card discounts and use those cards exclusively for your purchases.
When you pay at Cold Stone Creamery 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, Cold Stone Creamery transactions will qualify — even if your card terms only mention a category name and not Cold Stone Creamery specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Cold Stone Creamery 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.
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.
Spending $200/month at Cold Stone Creamery 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 Cold Stone Creamery merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Cold Stone Creamery use?
Cold Stone Creamery uses MCC 5814 (Fast Food Restaurants). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Cold Stone Creamery.
Which credit card earns the most rewards at Cold Stone Creamery?
The Ink Business Cash earns 5x on fast food restaurants purchases (MCC 5814), making it the highest-earning option at Cold Stone Creamery among the cards we track.
Does my card earn bonus rewards at Cold Stone Creamery?
It depends on your card's bonus categories. If your card earns bonus rewards on fast food restaurants purchases, Cold Stone Creamery transactions (MCC 5814) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Cold Stone Creamery classified as fast food restaurants for credit card purposes?
Yes. Cold Stone Creamery is classified under MCC 5814, which falls in the Fast Food Restaurants category. This means cards with fast food restaurants bonus categories will apply the elevated earn rate at Cold Stone Creamery.
What is MCC 5814 and what merchants use it?
MCC 5814 stands for Fast Food Restaurants. It is assigned to businesses that primarily operate in fast food and quick-service chains. Besides Cold Stone Creamery, 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: April 04, 2026.
Full methodology: www.pointspick.com/methodology.
