Best Credit Card for Del Taco in 2026
Del Taco is classified under MCC 5812 (Eating places and Restaurants). The best card for Del Taco purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Does Del Taco accept Mastercard? Yes — Del Taco accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
If you're a fan of fast food and especially love spending at places like Del Taco, knowing that MCC 5812 covers eating establishments is key for maximizing your rewards, particularly with cards offering bonus points on dining.
To really rack up those points, use your reward card for every meal and drink order to ensure you're getting the most out of each visit.
Spending Math
Imagine if you spent $200 per month at Del Taco; the Hilton Honors Aspire card would earn you a whopping $168 in annual rewards at 7x points, while a standard 1% cashback card would only net you $24.
Del Taco purchases are classified under MCC 5812 (Eating places and Restaurants).
MCC Details for Del Taco
Best Credit Cards for Del Taco (2026)
How Del Taco Codes on Your Statement
When you pay at Del Taco 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, Del Taco transactions will qualify — even if your card terms only mention a category name and not Del Taco specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Del Taco 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 — Del Taco
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 Del Taco
Spending $200/month at Del Taco 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 Del Taco merchants, earning $120/year with no annual fee.