MCC 5811 · Caterers · Food
For MCC 5811 (Caterers) in the United States, the Bank of America Customized Cash Rewards Credit Card gives the highest cashback at 3% (cap: 2% and 3% categories combined: first $2,500 in net purchases per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), then 1%).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-09-30. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.Capital One Venture Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.Bank of America Customized Cash Rewards Credit Card
Choice category: Dining
MCCs listed in the program rules. Only one choice category active at a time (default Gas & EV charging); it can be changed once per calendar month via Online/Mobile Banking. BofA Rewards / Preferred Rewards members earn 10%-75% more (e.g. 3% becomes up to 5.25%).
Terms checked 2026-09-30 · Issuer terms ·
3.Wells Fargo Active Cash Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
5.Blue Cash Everyday Card from American Express
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
6.Blue Cash Preferred Card from American Express
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
7.Capital One Savor Cash Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
11.U.S. Bank Cash+ Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.Wells Fargo Autograph Card
Restaurants (caterers, drinking places, eating places, fast food)
Terms list Visa categories Caterers, Drinking places, Eating places and restaurants, Fast food restaurants. Bakeries, grocery stores and other places that serve food or operate restaurants on site, and third-party delivery services may not earn the bonus. Wells Fargo terms define the category by Visa merchant category names (not numeric codes); MCCs here are the Visa codes whose official titles match those names. Wells Fargo reserves the right to decide which purchases qualify; third-party payment accounts, mobile card readers and online marketplaces may not earn the bonus.
Terms checked 2026-09-30 · Issuer terms ·
2.American Express Gold Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.Chase Sapphire Preferred Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
For MCC 5811 (Caterers) in the United States, the Bank of America Customized Cash Rewards Credit Card gives the highest cashback at 3% (cap: 2% and 3% categories combined: first $2,500 in net purchases per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), then 1%).
MCC 5811 is the merchant category code for Caterers (Food). Covers caterers that prepare and deliver food for events, functions and organisations, typically off-site. Restaurants serving meals on premises use 5812, and fast food outlets use 5814. Transactions are often invoiced in advance or as deposits for scheduled events.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.