Best Credit Card for Rally's in 2026
Rally's is classified under MCC 5814 (Fast Food Restaurants). The best card for Rally's purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Fast food restaurants like Rally's are great for everyday spending, and if you're looking to maximize your rewards, cards that offer bonus categories at these places can really pay off. The Hilton Honors Aspire card, with its rotating category offering 7x points, is a top choice.
To get the most out of your visits to Rally's, make sure to link your favorite fast food spots as bonus categories on rotating reward cards before you start spending there.
Rally's purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Rally's
Best Credit Cards for Rally's (2026)
How Rally's Codes on Your Statement
When you pay at Rally's 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, Rally's transactions will qualify — even if your card terms only mention a category name and not Rally's specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Rally's 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 — Rally's
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 Rally's
Spending $200/month at Rally's 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 Rally's merchants, earning $120/year with no annual fee.