Best Credit Card for Jamba in 2026
Jamba is classified under MCC 5814 (Fast Food Restaurants). The best card for Jamba purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Jamba accept Mastercard? Yes — Jamba accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Jamba, a quick-service spot for healthy drinks and snacks, falls under the fast food category (MCC 5814). This makes it ideal for maximizing rewards on cards that offer bonus points or cash back in this area.
To top up your rewards, consider linking Jamba orders through an app or online platform if it's not already set up for your card's bonus category.
Spending Math
If you spend $200 a month at Jamba with the Hilton Honors Aspire card offering 7x points, you'd earn $168 yearly. Compare that to just $24 yearly from a standard 1% cash-back card. The difference is clear!
Jamba purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Jamba
Best Credit Cards for Jamba (2026)
How Jamba Codes on Your Statement
When you pay at Jamba 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, Jamba transactions will qualify — even if your card terms only mention a category name and not Jamba specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Jamba 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 — Jamba
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 Jamba
Spending $200/month at Jamba 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 Jamba merchants, earning $120/year with no annual fee.