Best Credit Card for Little Caesars in 2026
Little Caesars is classified under MCC 5814 (Fast Food Restaurants). The best card for Little Caesars purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Little Caesars accept Mastercard? Yes — Little Caesars accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Fast food restaurants like Little Caesars are great for maximizing dining rewards, especially if you're using cards that offer high earning rates at quick-service eateries.
To supercharge your rewards, link your Little Caesars loyalty account to your credit card for bonus points and discounts.
Spending Math
If you spend $200 a month on Little Caesars with the Hilton Honors Aspire card (7x points), you'd earn $168 in annual rewards. A standard 1% cashback card would only net you $24.
Little Caesars purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Little Caesars
Best Credit Cards for Little Caesars (2026)
How Little Caesars Codes on Your Statement
When you pay at Little Caesars 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, Little Caesars transactions will qualify — even if your card terms only mention a category name and not Little Caesars specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Little Caesars 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 — Little Caesars
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 Little Caesars
Spending $200/month at Little Caesars 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 Little Caesars merchants, earning $120/year with no annual fee.