MCC Code
5812
Category
Eating Places and Restaurants
Reward Category
Dining
Confirmed by
PreSwipe team
Best cards for Chipotle
Hilton Honors Amex Surpass
6x pts on dining
6x pts
Citi Custom Cash
5% back on top spend category (auto)
5% back
Amex Gold
4x MR on dining
4x MR
Amex Green
3x MR on dining
3x MR
Chase Sapphire Reserve
3x UR on dining
3x UR
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Search PreSwipe →Frequently asked questions
What MCC code does Chipotle use?
Chipotle uses MCC 5812 — Eating Places and Restaurants. This is the four-digit Merchant Category Code assigned to Chipotle by card networks and determines how your purchase is categorized for rewards.
Does Chipotle count as eating places and restaurants for credit card rewards?
Yes — Chipotle codes as Eating Places and Restaurants (MCC 5812), so purchases here should earn bonus rewards on cards that offer a eating places and restaurants category bonus.
Which credit card earns the most rewards at Chipotle?
The best card depends on how Chipotle codes. Since it uses MCC 5812 (Eating Places and Restaurants), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.