Best Credit Card for Einstein Bros. Bagels in 2026
Einstein Bros. Bagels is classified under MCC 5812 (Eating places and Restaurants). The best card for Einstein Bros. Bagels purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Does Einstein Bros. Bagels accept Mastercard? Yes — Einstein Bros. Bagels accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Einstein Bros. Bagels is a great spot for breakfast and brunch, covered under the 'Restaurants' category in many credit cards. If you're a morning coffee or bagel person, this matters.
To maximize rewards, use your high-earning credit card for daily expenses like breakfast at Einstein Bros. Bagels.
Spending Math
If you spend $200 per month at Einstein Bros. Bagels, the Hilton Honors Aspire card will earn you $168 annually (7x points), compared to just $24 on a generic 1% cash back card.
Einstein Bros. Bagels purchases are classified under MCC 5812 (Eating places and Restaurants).
MCC Details for Einstein Bros. Bagels
Best Credit Cards for Einstein Bros. Bagels (2026)
How Einstein Bros. Bagels Codes on Your Statement
When you pay at Einstein Bros. Bagels 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, Einstein Bros. Bagels transactions will qualify — even if your card terms only mention a category name and not Einstein Bros. Bagels specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Einstein Bros. Bagels 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 — Einstein Bros. Bagels
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 Einstein Bros. Bagels
Spending $200/month at Einstein Bros. Bagels 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 Einstein Bros. Bagels merchants, earning $120/year with no annual fee.