MCC Code
5812
Category
Eating Places / Restaurants
Reward Category
Dining
Confirmed by
PreSwipe team
Best cards for Instacart (restaurant items)
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 Instacart (restaurant items) use?
Instacart (restaurant items) uses MCC 5812 — Eating Places / Restaurants. This is the four-digit Merchant Category Code assigned to Instacart (restaurant items) by card networks and determines how your purchase is categorized for rewards.
Does Instacart (restaurant items) count as eating places / restaurants for credit card rewards?
Instacart (restaurant items) does not code as you might expect. It uses MCC 5812 (Eating Places / Restaurants), which may not trigger the bonus category you're hoping for. Always check your card's terms.
Which credit card earns the most rewards at Instacart (restaurant items)?
The best card depends on how Instacart (restaurant items) codes. Since it uses MCC 5812 (Eating Places / Restaurants), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.