Terracotta by MISE
With MISE as your operating account — 2% otherwise. No caps on your everyday rates.
New operators: your first year is on us. No commitment required. Terms apply.
Reward structure
Every core rate is unlimited and permanent — not a sign-up bonus, not a limited-time offer. No caps on your everyday rates. Terracotta earns on the categories that define what it costs to run a professional hospitality operation, with a quarterly bonus on top.
Unlimited on food & beverage wholesale
Wholesale food and beverage distributors — the suppliers you actually buy inventory from: broadline distributors, specialty food suppliers, wholesale clubs.
With MISE as your operating account; unlimited 2% otherwise.
Unlimited on staffing & payroll services
Payroll processors · staffing agencies · hourly workforce platforms · tip management services
Unlimited on software & subscriptions
POS systems · reservation platforms · inventory management · scheduling software · accounting tools
Unlimited on everything else
All other eligible business purchases
Quarterly bonus category
A new category each quarter, aligned to the hospitality calendar and layered on top of your unlimited rates. Activate it in the app; earns 5% on up to $5,000 in purchases per quarter.
Earned as points worth 1¢ each. Cash out whenever you like — to your MISE account or your card balance. No minimum, and points don't expire while your account is open and in good standing.
* Food & beverage wholesale earns 3% when MISE is your operating account — your card-sales deposits (from Toast, Square, and the like) land in your MISE account. Otherwise it earns an unlimited 2%. Qualifying suppliers are listed in the app.
Why these categories
28–40%
Food & beverage cost
F&B is the largest and most variable cost in any hospitality P&L. Operators spend more with their distributor in a week than most businesses spend on office supplies in a year. No card has rewarded this until now.
25–35%
Labor cost
After food cost, labor is where operators feel the margin pressure most acutely. Payroll services, staffing agencies, and workforce management tools are substantial monthly line items — and every card ignores them.
+12%
Software growth YoY
The modern hospitality operation runs on a stack of tools — POS, reservations, inventory, accounting, scheduling. These subscriptions compound into meaningful spend. Terracotta earns on all of them.
An operator running $20,000 a month in card-captured food purchasing earns $7,200 back per year on that spend alone with MISE as its operating account — $4,800 without. Working capital that has always been left on the table.
That's real working capital returned to operators on spend they were already making, with no behavior change required. Terracotta rewards the purchasing you capture on the card.
Build your first-year value.
Enter your monthly card-captured spend in the reward categories. Adjust to your operation.
Earns 3% back, unlimited · $7,200 / yr
Earns 2% back, unlimited · $1,920 / yr
Earns 2% back, unlimited · $360 / yr
Your estimated first-year value
$9,729
Also included, at no added cost
$249 / year after the first. Values shown as points at 1¢ each.
What comes with the card
Vertical card format
Terracotta is a vertical credit card — a format built for the way operators actually reach for their card. Physical and virtual cards issued to all authorized users.
Spend categorized as it posts
Every transaction sorted as it settles. See your food cost, labor spend, and software overhead broken out — the way your P&L actually reads.
First year on us
New operators pay no annual fee for the first year — then $249 a year, recovered in the first statement or two at any real spend volume.
Reconciliation, built in
Integrates with major accounting platforms. Receipts, categories, and GL codes handled — so you spend less time on reconciliation and more time on service.
Early access
Join operators who are getting early access to Terracotta. The first year is on us for new operators, and we're onboarding by business type and spend volume — the waitlist is short and the list is moving.