Best Credit Card for Punch Bowl Social in 2026
Punch Bowl Social is classified under MCC 5813 (Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques). The best card for Punch Bowl Social purchases is the Ink Business Cash (no annual fee), earning 5x on drinking places (alcoholic beverages), bars, taverns, cocktail lounges, nightclubs and discotheques — an effective return of 10.25%.
The Punch Bowl Social MCC is great for credit cards with bonus categories like restaurants, as it includes bars and cocktail lounges where you can rack up significant rewards points or cash back.
To maximize your rewards, use the best credit cards for dining and apply their rotating bonus categories or fixed restaurant perks to venues like Punch Bowl Social.
Spending Math
If you spend $200 a month at places like Punch Bowl Social, the Hilton Honors Aspire card would earn you $14.00 monthly compared to just $2.00 with a standard 1% card, adding up to an extra $144 in a year.
Punch Bowl Social purchases are classified under MCC 5813 (Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques).
MCC Details for Punch Bowl Social
Best Credit Cards for Punch Bowl Social (2026)
How Punch Bowl Social Codes on Your Statement
When you pay at Punch Bowl Social at their locations, your card issuer sees MCC 5813 in the transaction data. This code tells your bank that the purchase was made at a drinking places (alcoholic beverages), bars, taverns, cocktail lounges, nightclubs and discotheques merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "drinking places (alcoholic beverages), bars, taverns, cocktail lounges, nightclubs and discotheques" purchases, Punch Bowl Social transactions will qualify — even if your card terms only mention a category name and not Punch Bowl Social specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Punch Bowl Social 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 5813 qualifies for bonus rewards.
Bonus Category Match — Punch Bowl Social
About MCC 5813: Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques
Merchant Category Code 5813 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5813, all qualifying card programs that include drinking places (alcoholic beverages), bars, taverns, cocktail lounges, nightclubs and discotheques 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 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques merchants: AMF Bowling Centers, Angry Orchard, Applebee's Bar.
What You Could Earn at Punch Bowl Social
Spending $200/month at Punch Bowl Social with the Ink Business Cash (5x on drinking places (alcoholic beverages), bars, taverns, cocktail lounges, nightclubs and discotheques) 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 Punch Bowl Social merchants, earning $120/year with no annual fee.