Gong Cha Credit Card Rewards
Maximize your rewards with the best credit cards for Gong Cha
MCC Code
5814
Fast Food Restaurants
Eligible Cards
5
Cards earn rewards
Top Rate
3x Points (3 MPD)
No cap
Quick Answer
The best credit card for Gong Cha is Chase Sapphire Reserve, earning 3x Points (3 MPD)
With no cap, this card is ideal for offline spending at Gong Cha. Alternative options include Capital One Venture X.
Best Credit Cards for Gong Cha
Chase Freedom Flex
Included in whitelist
5x Cash Back (5 MPD equiv.)
$1,500 per quarter in bonus categories
Special Conditions
Rotating quarterly categories (must activate). No annual fee.
US Bank Altitude Go
Included in whitelist
4x Points (4 MPD)
No cap
Special Conditions
Earns 4x on dining and restaurant purchases. No annual fee. $25 annual dining credit.
Chase Sapphire Reserve
Included in whitelist
3x Points (3 MPD)
No cap
Special Conditions
Earns 3x on travel and dining. $550 annual fee.
Capital One Venture X
No restrictions
2x Miles (2 MPD)
No cap
Special Conditions
Earns 2x on everything, 5x on travel via Capital One Travel portal. $395 annual fee.
Citi Double Cash
No restrictions
2% Cash Back (2 MPD equiv.)
No cap
Special Conditions
Earns 2% on everything (1% purchase + 1% payment). No annual fee.
Reward Calculator
Estimated Monthly Rewards
Frequently Asked Questions
What is the MCC code for Gong Cha?
Gong Cha uses MCC code 5814, which stands for “Fast Food Restaurants”. This code determines which credit cards earn rewards at this merchant. Banks use MCC codes to categorize transactions and apply bonus rewards accordingly.
What credit cards work at Gong Cha?
The best credit cards for Gong Cha include:
- Chase Sapphire Reserve- 3x Points (3 MPD) (no cap)
- Capital One Venture X- 2x Miles (2 MPD) (no cap)
- Chase Freedom Flex- 5x Cash Back (5 MPD equiv.) ($1,500 per quarter in bonus categories)
Is Gong Cha classified as online or offline spending?
Gong Cha is classified as offline spending. This affects card eligibility - some cards only earn rewards on offline transactions. For example, cards like Citibank Rewards MasterCard only earn bonus rewards on online spend, while UOB Visa Signature only works for offline (contactless or foreign currency) transactions.
How can I maximize rewards at Gong Cha?
To maximize rewards at Gong Cha:
- Use Chase Sapphire Reserve for 3x Points (3 MPD) on all transactions
- Be mindful of the monthly cap: no cap
- Consider pairing with Capital One Venture X for additional categories
- Track your spending to stay within bonus category limits