Best Credit Card for Garcia's Mexican Restaurant in 2026
Garcia's Mexican Restaurant is classified under MCC 5812 (Eating places and Restaurants). The best card for Garcia's Mexican Restaurant purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Does Garcia's Mexican Restaurant accept Mastercard? Yes — Garcia's Mexican Restaurant accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
The MCC 5812 covers restaurants like Garcia's Mexican, making it ideal for foodie credit card rewards enthusiasts who earn extra points or cash back when dining out.
To maximize rewards, always use your high-earning dining credit card when you hit Garcia's for those late-night tacos and drinks.
Spending Math
If you spend $200 a month at Garcia's with the Hilton Honors Aspire card at 7x points, that’s $14 a month or $168 annually. A basic 1% cash back card would earn just $24 per year on that same spending.
Garcia's Mexican Restaurant purchases are classified under MCC 5812 (Eating places and Restaurants).
MCC Details for Garcia's Mexican Restaurant
Best Credit Cards for Garcia's Mexican Restaurant (2026)
How Garcia's Mexican Restaurant Codes on Your Statement
When you pay at Garcia's Mexican Restaurant 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, Garcia's Mexican Restaurant transactions will qualify — even if your card terms only mention a category name and not Garcia's Mexican Restaurant specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Garcia's Mexican Restaurant 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 — Garcia's Mexican Restaurant
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 Garcia's Mexican Restaurant
Spending $200/month at Garcia's Mexican Restaurant 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 Garcia's Mexican Restaurant merchants, earning $120/year with no annual fee.