Best Credit Card for Pei Wei in 2026
Pei Wei is classified under MCC 5814 (Fast Food Restaurants). The best card for Pei Wei purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Pei Wei accept Mastercard? Yes — Pei Wei accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Pei Wei, a fast-food chain known for its Asian-inspired dishes, falls under the MCC 5814 category. This makes it an ideal place to earn rewards if you have a card that offers bonus points on dining out.
Maximize your rewards by treating yourself to Pei Wei during peak earning periods when your credit card offers higher points on dining.
Spending Math
If you spend $200 per month at Pei Wei with the Hilton Honors Aspire (7x points), you'll earn $168 in annual rewards. Compare this to just $24 from a standard 1% cash back card, showing how valuable category-specific bonuses can be.
Pei Wei purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Pei Wei
Best Credit Cards for Pei Wei (2026)
How Pei Wei Codes on Your Statement
When you pay at Pei Wei 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, Pei Wei transactions will qualify — even if your card terms only mention a category name and not Pei Wei specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Pei Wei 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 — Pei Wei
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 Pei Wei
Spending $200/month at Pei Wei 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 Pei Wei merchants, earning $120/year with no annual fee.