Best Credit Card for Rita's Italian Ice in 2026
Rita's Italian Ice is classified under MCC 5814 (Fast Food Restaurants). The best card for Rita's Italian Ice purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Rita's Italian Ice accept Mastercard? Yes — Rita's Italian Ice accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
MCC 5814 for fast food restaurants, like Rita's Italian Ice, falls under the dining category for many credit cards. This is crucial because some high-reward cards offer extra points or cash back on dining expenses.
Maximize your rewards by timing visits to Rita's Italian Ice when dining out is part of a credit card promotion or bonus category.
Spending Math
If you spend $200 a month at Rita's Italian Ice with the Hilton Honors Aspire card that offers 7x points, you'd earn $14 monthly versus just $2 from a basic 1% card. That's an extra $144 in rewards annually.
Rita's Italian Ice purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Rita's Italian Ice
Best Credit Cards for Rita's Italian Ice (2026)
How Rita's Italian Ice Codes on Your Statement
When you pay at Rita's Italian Ice 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, Rita's Italian Ice transactions will qualify — even if your card terms only mention a category name and not Rita's Italian Ice specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Rita's Italian Ice 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 — Rita's Italian Ice
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 Rita's Italian Ice
Spending $200/month at Rita's Italian Ice 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 Rita's Italian Ice merchants, earning $120/year with no annual fee.