Terracotta by MISE
Earn on every dollar your venue actually spends.
New operators: your first year is on us. No commitment required. Terms apply.
Reward structure
Every rate is permanent — not a sign-up bonus, not a limited-time offer. Terracotta earns on the categories that define what it costs to run a professional hospitality operation.
Quarterly rotating category
Announced each quarter — aligned to seasonal and operational priorities for hospitality operators
Food & beverage wholesale vendors
Sysco · US Foods · Restaurant Depot · Performance Food Group · Gordon Food Service · and all qualifying distributors
Staffing & payroll services
Payroll processors · staffing agencies · hourly workforce platforms · tip management services
Software & subscriptions
POS systems · reservation platforms · inventory management · scheduling software · accounting tools
Everything else
All other eligible business purchases earn base rate cash back
Cash back, not points. Rewards post as statement credit or can be applied directly to your balance. No expiration, no minimum redemption threshold, no conversion math required.
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 Sysco 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 $6,000 back per year on that spend alone — 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 · $7,200 / yr
Earns 2% back · $1,920 / yr
Earns 2% back · $360 / yr
Your estimated first-year value
$9,729
Also included, at no added cost
$249 / year after the first — itself waived in year two when you open and fund a MISE account.
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. Open and fund a MISE business checking and savings account and route your operating cash flow through it, and the second year is waived as well.
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.