Best Credit Card for Habit Burger Grill in 2026
Habit Burger Grill is classified under MCC 5814 (Fast Food Restaurants). The best card for Habit Burger Grill purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Habit Burger Grill accept Mastercard? Yes — Habit Burger Grill accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Fast food restaurants like Habit Burger Grill are part of the dining category, which is covered by many travel and lifestyle credit cards that offer decent rewards rates.
Use your high-reward dining credit card exclusively for fast food purchases like Habit Burger Grill to maximize your rewards points.
Spending Math
If you spend $200 a month at Habit Burger Grill with a Hilton Honors Aspire card earning 7x points, you'd earn $14.00 monthly or $168.00 annually compared to just $24.00 yearly with a basic 1% cash back card.
Habit Burger Grill purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Habit Burger Grill
Best Credit Cards for Habit Burger Grill (2026)
How Habit Burger Grill Codes on Your Statement
When you pay at Habit Burger Grill at their locations, your card issuer sees MCC 5814 in the transaction data. This code tells your bank that the purchase was made at a fast food 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 "fast food restaurants" purchases, Habit Burger Grill transactions will qualify — even if your card terms only mention a category name and not Habit Burger Grill specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Habit Burger Grill 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 5814 qualifies for bonus rewards.
Bonus Category Match — Habit Burger Grill
About MCC 5814: Fast Food Restaurants
Merchant Category Code 5814 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Fast Food Restaurants industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5814, all qualifying card programs that include fast food 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 Fast Food Restaurants merchants: Arby's, Arby's - Albuquerque, Arby's - Anaheim.
What You Could Earn at Habit Burger Grill
Spending $200/month at Habit Burger Grill with the Ink Business Cash (5x on fast food 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 Habit Burger Grill merchants, earning $120/year with no annual fee.