Best Credit Card for Restaurant Depot in 2026
Restaurant Depot is classified under MCC 5300 (Wholesale Clubs). The best card for Restaurant Depot purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 6x on wholesale clubs — an effective return of 6.00%.
Does Restaurant Depot accept Mastercard? Yes — Restaurant Depot accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Restaurant Depot is a wholesale club for foodservice and hospitality, making it a great spot for those in the industry to stock up on supplies. It's covered under Shopper Cash Rewards cards that offer generous rewards.
Maximize your rewards by using a Shopper Cash Rewards card for bulk purchases like kitchen equipment and paper goods.
Spending Math
If you spend $200 per month at Restaurant Depot with a card offering 6x points, you'd earn $144 annually compared to just $24 from a standard 1% cash back card.
Restaurant Depot purchases are classified under MCC 5300 (Wholesale Clubs).
MCC Details for Restaurant Depot
Best Credit Cards for Restaurant Depot (2026)
How Restaurant Depot Codes on Your Statement
When you pay at Restaurant Depot at their locations, your card issuer sees MCC 5300 in the transaction data. This code tells your bank that the purchase was made at a wholesale clubs merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "wholesale clubs" purchases, Restaurant Depot transactions will qualify — even if your card terms only mention a category name and not Restaurant Depot specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Restaurant Depot 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 5300 qualifies for bonus rewards.
Bonus Category Match — Restaurant Depot
About MCC 5300: Wholesale Clubs
Merchant Category Code 5300 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Wholesale Clubs industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5300, all qualifying card programs that include wholesale clubs as a bonus category will apply the elevated earn rate.
The Retail 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 Wholesale Clubs merchants: BJ's Wholesale Club, BJ's Wholesale Club, Boxed.
What You Could Earn at Restaurant Depot
Spending $200/month at Restaurant Depot with the Shopper Cash Rewards (6x on wholesale clubs) earns approximately $144/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $49 more per year.
Prefer no annual fee? The AAA Daily Advantage earns 3x at Restaurant Depot merchants, earning $72/year with no annual fee.