Best Credit Card for Orange Julius in 2026
Orange Julius is classified under MCC 5814 (Fast Food Restaurants). The best card for Orange Julius purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Orange Julius accept Mastercard? Yes — Orange Julius accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Fast food restaurants like Orange Julius are covered under the travel and dining category for credit cards, making them a great spot to earn extra points or cash back if you're loyal to brands like Hilton Honors.
To maximize your rewards, consider timing your visits to Orange Julius when specific card bonuses apply or during special promotions that can double up on your earning potential.
Spending Math
If you spend $200 a month at Orange Julius, using the Hilton Honors Aspire card would net you $168 in annual rewards at 7x points, compared to just $24 with a basic 1% cash back card.
Orange Julius purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Orange Julius
Best Credit Cards for Orange Julius (2026)
How Orange Julius Codes on Your Statement
When you pay at Orange Julius 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, Orange Julius transactions will qualify — even if your card terms only mention a category name and not Orange Julius specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Orange Julius 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 — Orange Julius
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 Orange Julius
Spending $200/month at Orange Julius 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 Orange Julius merchants, earning $120/year with no annual fee.