Best Credit Card for Hungry Howie's in 2026
Hungry Howie's is classified under MCC 5814 (Fast Food Restaurants). The best card for Hungry Howie's purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Hungry Howie's accept Mastercard? Yes — Hungry Howie's accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Fast food chains like Hungry Howie's are covered under dining categories for credit cards, making them a great place to earn rewards if you're a frequent visitor.
Maximize your rewards by ordering delivery through the Hungry Howie's app linked to your reward card instead of picking up in-store.
Spending Math
If you spend $200 monthly at Hungry Howie's with the Hilton Honors Aspire card offering 7x points, you'd earn $14.00 each month, or $168.00 annually. Compare that to just $24.00 a year from a generic 1% cash-back card.
Hungry Howie's purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Hungry Howie's
Best Credit Cards for Hungry Howie's (2026)
How Hungry Howie's Codes on Your Statement
When you pay at Hungry Howie's 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, Hungry Howie's transactions will qualify — even if your card terms only mention a category name and not Hungry Howie's specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Hungry Howie's 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 — Hungry Howie's
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 Hungry Howie's
Spending $200/month at Hungry Howie's 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 Hungry Howie's merchants, earning $120/year with no annual fee.