Best Credit Card for Moe's Southwest Grill in 2026
Moe's Southwest Grill is classified under MCC 5814 (Fast Food Restaurants). The best card for Moe's Southwest Grill purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Moe's Southwest Grill accept Mastercard? Yes — Moe's Southwest Grill accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Moe's Southwest Grill falls under the fast food restaurant category, which is typically covered by general dining rewards cards. If you're a frequent diner here, you might want to check if your card offers decent rewards in this area.
To maximize your rewards, use dining-specific cards or those offering higher points at fast food restaurants like Moe's Southwest Grill.
Spending Math
If you spend $200 a month at Moe's Southwest Grill, the Hilton Honors Aspire with its 7x points earns you $14 per month compared to just $2 on a typical 1% cash back card. That's an annual difference of $168 versus $24.
Moe's Southwest Grill purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Moe's Southwest Grill
Best Credit Cards for Moe's Southwest Grill (2026)
How Moe's Southwest Grill Codes on Your Statement
When you pay at Moe's Southwest 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, Moe's Southwest Grill transactions will qualify — even if your card terms only mention a category name and not Moe's Southwest Grill specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Moe's Southwest 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 — Moe's Southwest 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 Moe's Southwest Grill
Spending $200/month at Moe's Southwest 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 Moe's Southwest Grill merchants, earning $120/year with no annual fee.