Best Credit Card for Jersey Mike's Subs in 2026
Jersey Mike's Subs is classified under MCC 5814 (Fast Food Restaurants). The best card for Jersey Mike's Subs purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Jersey Mike's Subs accept Mastercard? Yes — Jersey Mike's Subs accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Fast food restaurants like Jersey Mike's are covered under travel and dining rewards categories, making them perfect for credit cards that offer higher earning rates in these areas.
To maximize rewards, use your top-tier travel or dining credit card when ordering from Jersey Mike's online for delivery.
Spending Math
If you spend $200 a month at Jersey Mike's with the Hilton Honors Aspire card earning 7x points, you'd rack up $168 a year. That’s seven times more than a standard 1% cash back card would earn, which only nets you $24 annually.
Jersey Mike's Subs purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Jersey Mike's Subs
Best Credit Cards for Jersey Mike's Subs (2026)
How Jersey Mike's Subs Codes on Your Statement
When you pay at Jersey Mike's Subs 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, Jersey Mike's Subs transactions will qualify — even if your card terms only mention a category name and not Jersey Mike's Subs specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Jersey Mike's Subs 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 — Jersey Mike's Subs
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 Jersey Mike's Subs
Spending $200/month at Jersey Mike's Subs 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 Jersey Mike's Subs merchants, earning $120/year with no annual fee.