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Olive Garden - Fort Worth is classified under MCC 5812 (Eating places and Restaurants). The best card for Olive Garden - Fort Worth purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Payment Methods
Does Olive Garden - Fort Worth accept Mastercard? Yes — Olive Garden - Fort Worth accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
How Olive Garden - Fort Worth Codes on Your Statement
When you pay at Olive Garden - Fort Worth at their locations, your card issuer sees MCC 5812 in the transaction data. This code tells your bank that the purchase was made at a eating places and 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 "eating places and restaurants" purchases, Olive Garden - Fort Worth transactions will qualify — even if your card terms only mention a category name and not Olive Garden - Fort Worth specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Olive Garden - Fort Worth 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 5812 qualifies for bonus rewards.
Merchant Category Code 5812 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Eating places and Restaurants industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5812, all qualifying card programs that include eating places and 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 Eating places and Restaurants Merchants (MCC 5812)
Spending $200/month at Olive Garden - Fort Worth with the Ink Business Cash (5x on eating places and 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 Olive Garden - Fort Worth merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Olive Garden - Fort Worth use?
Olive Garden - Fort Worth uses MCC 5812 (Eating places and Restaurants). Our top pick for this MCC is the Ink Business Cash, which earns 5x (10.25% effective return) on eating places and restaurants purchases.
How much can I earn at Olive Garden - Fort Worth with the right credit card?
Spending $200/month ($2400/year) at Olive Garden - Fort Worth with the Ink Business Cash (no annual fee) earns approximately $120/year at 5x. A basic 1% card earns $24 on the same spending — that is $96 more per year with the right card.
Is Olive Garden - Fort Worth classified as eating places and restaurants for credit card rewards?
Yes. Olive Garden - Fort Worth is classified under MCC 5812 (Eating places and Restaurants) by Visa and Mastercard. Cards that list 'eating places and restaurants' as a bonus category — such as the Ink Business Cash — will apply the elevated earn rate at Olive Garden - Fort Worth.
Does my credit card earn bonus rewards at Olive Garden - Fort Worth?
If your card includes eating places and restaurants in its bonus categories, then yes — Olive Garden - Fort Worth's MCC 5812 typically qualifies. The Ink Business Cash earns 5x here. Check your card's app or call your issuer to confirm your specific card's category mapping.
What other stores are in the same category as Olive Garden - Fort Worth (MCC 5812)?
MCC 5812 (Eating places and Restaurants) is shared by many similar businesses. Other stores in this category include: Acapulco Restaurant, Another Broken Egg, Applebee's, Applebee's - Albuquerque. The same credit card bonus rate applies at all of these merchants.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: April 26, 2026.
Full methodology: www.pointspick.com/methodology.
