Best Credit Card for Earls Kitchen + Bar in 2026
Earls Kitchen + Bar is classified under MCC 5812 (Eating places and Restaurants). The best card for Earls Kitchen + Bar purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Does Earls Kitchen + Bar accept Mastercard? Yes — Earls Kitchen + Bar accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
MCC 5812 covers restaurants, and dining out is a popular category for credit card rewards, especially with cards that offer higher earning rates on food.
Maximize your rewards by using cards with bonus rates at Earls Kitchen + Bar during happy hour or lunch specials when deals are often more generous.
Spending Math
If you spend $200 monthly at Earls Kitchen + Bar, the Hilton Honors Aspire card would earn you $14.00 per month compared to just $2.00 from a standard 1% cash back card, showing a significant difference over a year.
Earls Kitchen + Bar purchases are classified under MCC 5812 (Eating places and Restaurants).
MCC Details for Earls Kitchen + Bar
Best Credit Cards for Earls Kitchen + Bar (2026)
How Earls Kitchen + Bar Codes on Your Statement
When you pay at Earls Kitchen + Bar 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, Earls Kitchen + Bar transactions will qualify — even if your card terms only mention a category name and not Earls Kitchen + Bar specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Earls Kitchen + Bar 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 — Earls Kitchen + Bar
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 Earls Kitchen + Bar
Spending $200/month at Earls Kitchen + Bar 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 Earls Kitchen + Bar merchants, earning $120/year with no annual fee.