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Rubio's Restaurants is classified under MCC 5814 (Fast Food Restaurants). The best card for Rubio's Restaurants purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Rubio's Restaurants fall under the fast food category, which is typically covered by dining rewards cards offering bonus points or cash back.
Pro Tip
Maximize your dining rewards by using cards like the Chase Sapphire or Amex Bonvoy cards when you visit Rubio's for their fish tacos and other menu items.
When you pay at Rubio's Restaurants 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, Rubio's Restaurants transactions will qualify — even if your card terms only mention a category name and not Rubio's Restaurants specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Rubio's Restaurants 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 Rubio's Restaurants 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 Rubio's Restaurants merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does Rubio's Restaurants use?
Rubio's Restaurants uses MCC 5814 (Fast Food Restaurants). This code is assigned by card networks and determines which bonus reward categories apply when you pay at Rubio's Restaurants.
Which credit card earns the most rewards at Rubio's Restaurants?
The Ink Business Cash earns 5x on fast food restaurants purchases (MCC 5814), making it the highest-earning option at Rubio's Restaurants among the cards we track.
Does my card earn bonus rewards at Rubio's Restaurants?
It depends on your card's bonus categories. If your card earns bonus rewards on fast food restaurants purchases, Rubio's Restaurants transactions (MCC 5814) will typically qualify. Check your card's terms or app, or call your issuer to confirm.
Is Rubio's Restaurants classified as fast food restaurants for credit card purposes?
Yes. Rubio's Restaurants is classified under MCC 5814, which falls in the Fast Food Restaurants category. This means cards with fast food restaurants bonus categories will apply the elevated earn rate at Rubio's Restaurants.
What is MCC 5814 and what merchants use it?
MCC 5814 stands for Fast Food Restaurants. It is assigned to businesses that primarily operate in fast food and quick-service chains. Besides Rubio's Restaurants, other merchants in the same MCC include similar businesses in the dining industry group.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: March 16, 2026.
Full methodology: www.pointspick.com/methodology.
