What is Chipotle Online's MCC Code?
Chipotle Online uses MCC 5814 (Fast Food Restaurants). This Merchant Category Code is used by credit card networks to classify transactions at Chipotle Online.
When you use your credit card at Chipotle Online, the transaction is tagged with MCC 5814. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.
Best Credit Cards for Chipotle Online
UOB Preferred Platinum Visa
4 MPDIncluded in whitelist and not excluded
Cap: Cap at $600 a month per spend type
Citibank Rewards MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
Woman's World MasterCard
4 MPDNot excluded
Cap: Cap at $1,000 a month
Note: Online spend only
UOB Visa Signature
4 MPDNot excluded
Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY
Note: On Site: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
UOB Lady's Card
4 MPDEligible under Dining category
Cap: Cap at $1,000 per calendar month per bonus category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
UOB Lady's Solitaire
4 MPDEligible under Dining category
Cap: Cap at $750 per calendar month per bonus category
Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.
Cards That Don't Earn Bonus
These cards earn base rewards (1 MPD) at Chipotle Online:
✗HSBC Revolution
✗OCBC Rewards
Tips for Maximizing Rewards at Chipotle Online
- Use the card with the highest bonus rate for MCC 5814
- Track monthly caps to avoid missing out on bonus rewards
- Check if mobile wallet vs direct payment affects your rewards rate
- Verify the MCC before making large purchases to ensure bonus eligibility
- Consider having multiple cards to maximize rewards across different spending categories
Related Merchants
These merchants use the same MCC code (5814) as Chipotle Online:
Chick-fil-A Online
US • online
Taco Bell Online
US • online
Starbucks App
US • online
McDonald's App
US • online