American multinational coffee and doughnut company.
Technical Note: Dunkin' transactions typically report under MCC codes:
5814. This helps determine which card multiplier applies.
Ranked Card Rewards at Dunkin'
| Card | Rate | Cash / $100 | Credits/mo | Network Perk | Why it Wins |
|---|---|---|---|---|---|
| American Express Gold Card | 4x Amex Points | $2.40 | $7.00 | — | Credit + Direct Partnership |
| Citi Prestige Card | 5x Thankyou Points | $5.00 | — | — | Restaurants Category |
| The World of Hyatt Credit Card | 2x Hyatt Points | $4.60 | — | — | Dining Category |
| Robinhood Gold Card | 3x Cash | $3.00 | — | — | Base Rate |
| Chase Sapphire Preferred | 3x Chase Points | $3.00 | — | — | Dining Category |
| Chase Ink Business Premier | 2x Cash | $2.00 | — | — | Base Rate |
| Chase Ink Business Unlimited | 2x Cash | $1.50 | — | — | Base Rate |
How we calculate this
We join merchant transaction data (MCCs) with card reward structures to find the highest effective yield. For points programs, we assume a live valuation (e.g., 1 cent per Chase point) to provide a comparable “Cash Value” metric.
Suggested Merchant Category Codes (MCC)
The following categories are typically used by payment networks (Visa, Mastercard, Amex) to classify this merchant. These codes determine the reward yield for specific credit cards.
● MCC-5814
ISO 18245
Fast Food Restaurants
Merchants classified with this MCC sell prepared food and beverages for consumption either on the premises or packaged for carry-out. Orders are typically made and paid for at a counter, kiosk or drive-through window. This MCC includes food delivery for Merchants qualifying for this MCC. Quick Service Restaurants Vending Machines – Food Sandwich Shops Ice Cream Shops Coffee Shops Yogurt Shops Pretzel Stands