Best Credit Card for Costa Vida in 2026
Costa Vida is classified under MCC 5814 (Fast Food Restaurants). The best card for Costa Vida purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Costa Vida accept Mastercard? Yes — Costa Vida accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Fast food joints like Costa Vida are covered under dining rewards, which can earn you big points if your card offers a high multiplier for this category.
Check if your card doubles dining rewards on Mondays. It's often when fast food chains like Costa Vida see the most traffic.
Spending Math
If you spend $200 monthly at Costa Vida, the Hilton Honors Aspire would earn you $14 per month or $168 annually, while a basic 1% cashback card would only net you $2 per month or $24 yearly.
Costa Vida purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Costa Vida
Best Credit Cards for Costa Vida (2026)
How Costa Vida Codes on Your Statement
When you pay at Costa Vida 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, Costa Vida transactions will qualify — even if your card terms only mention a category name and not Costa Vida specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Costa Vida 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 — Costa Vida
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 Costa Vida
Spending $200/month at Costa Vida 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 Costa Vida merchants, earning $120/year with no annual fee.