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Qdoba Mexican Eats is classified under MCC 5814 (Fast Food Restaurants). The best card for Qdoba Mexican Eats purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Payment Methods
Does Qdoba Mexican Eats accept Mastercard? Yes — Qdoba Mexican Eats accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
MCC 5814 covers fast food restaurants like Qdoba, making it a great target for card rewards if you eat out often.
Pro Tip
Use your rewards credit card for weekday lunch specials to rack up points faster.
Spending Math
If you spend $200 per month at Qdoba, the Hilton Honors Aspire card earns $168 yearly compared to just $24 with a 1% cash back card.
When you pay at Qdoba Mexican Eats 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, Qdoba Mexican Eats transactions will qualify — even if your card terms only mention a category name and not Qdoba Mexican Eats specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Qdoba Mexican Eats 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.
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.
Spending $200/month at Qdoba Mexican Eats 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 Qdoba Mexican Eats merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Qdoba Mexican Eats use?
Qdoba Mexican Eats uses MCC 5814 (Fast Food Restaurants). Our top pick for this MCC is the Ink Business Cash, which earns 5x (10.25% effective return) on fast food restaurants purchases.
How much can I earn at Qdoba Mexican Eats with the right credit card?
Spending $200/month ($2400/year) at Qdoba Mexican Eats 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 Qdoba Mexican Eats classified as fast food restaurants for credit card rewards?
Yes. Qdoba Mexican Eats is classified under MCC 5814 (Fast Food Restaurants) by Visa and Mastercard. Cards that list 'fast food restaurants' as a bonus category — such as the Ink Business Cash — will apply the elevated earn rate at Qdoba Mexican Eats.
Does my credit card earn bonus rewards at Qdoba Mexican Eats?
If your card includes fast food restaurants in its bonus categories, then yes — Qdoba Mexican Eats's MCC 5814 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 Qdoba Mexican Eats (MCC 5814)?
MCC 5814 (Fast Food Restaurants) is shared by many similar businesses. Other stores in this category include: Arby's, Arby's - Albuquerque, Arby's - Anaheim, Arby's - Anchorage. 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.
