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Factor is classified under MCC 5812 (Eating places and Restaurants). The best card for Factor purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Factor, which covers eating places and restaurants (MCC 5812), is crucial for credit card rewards enthusiasts because dining out can rack up points quickly if you have the right card.
Pro Tip
Maximize your rewards by using your high-earning credit card for bigger restaurant bills and weekend meals when more points are typically awarded.
When you pay at Factor in the app or online, 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, Factor transactions will qualify — even if your card terms only mention a category name and not Factor specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Factor 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.
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 (MCC 5812)
Spending $200/month at Factor 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 Factor merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Factor use?
Factor uses MCC 5812 (Eating places and Restaurants). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Factor.
Which credit card earns the most rewards at Factor?
The Ink Business Cash earns 5x on eating places and restaurants purchases (MCC 5812), making it the highest-earning option at Factor among the cards we track.
Does my card earn bonus rewards at Factor?
It depends on your card's bonus categories. If your card earns bonus rewards on eating places and restaurants purchases, Factor transactions (MCC 5812) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Factor classified as eating places and restaurants for credit card purposes?
Yes. Factor is classified under MCC 5812, which falls in the Eating places and Restaurants category. This means cards with eating places and restaurants bonus categories will apply the elevated earn rate at Factor.
What is MCC 5812 and what merchants use it?
MCC 5812 stands for Eating places and Restaurants. It is assigned to businesses that primarily operate in sit-down and fast-casual restaurants. Besides Factor, 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: March 16, 2026.
Full methodology: www.pointspick.com/methodology.
