Best Credit Card for Pizza Hut in 2026
Pizza Hut is classified under MCC 5812 (Eating places and Restaurants). The best card for Pizza Hut purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Does Pizza Hut accept Mastercard? Yes — Pizza Hut accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
If you love grabbing a slice or two from Pizza Hut, this MCC is crucial for maximizing your rewards since cards like the Hilton Honors Aspire offer generous points here.
Pair your dining visits with Pizza Hut's loyalty program for extra savings and exclusive offers that boost your overall rewards.
Spending Math
Spending $200 a month at Pizza Hut with the Hilton Honors Aspire card earns you $14 per month or $168 annually, compared to just $24 on a standard 1% cashback card.
Pizza Hut purchases are classified under MCC 5812 (Eating places and Restaurants).
MCC Details for Pizza Hut
Best Credit Cards for Pizza Hut (2026)
How Pizza Hut Codes on Your Statement
When you pay at Pizza Hut 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, Pizza Hut transactions will qualify — even if your card terms only mention a category name and not Pizza Hut specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Pizza Hut 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.
Bonus Category Match — Pizza Hut
About MCC 5812: Eating places and Restaurants
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: Acapulco Restaurant, Another Broken Egg, Applebee's.
What You Could Earn at Pizza Hut
Spending $200/month at Pizza Hut 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 Pizza Hut merchants, earning $120/year with no annual fee.