What exactly is the CHIPOTLE* charge on my bank statement?

The CHIPOTLE* charge is the billing descriptor used by Chipotle Mexican Grill for in-store, online, or app-based food purchases processed through their payment system.

Why does the charge say CHIPOTLE* instead of just Chipotle?

The asterisk in CHIPOTLE* is a standard formatting convention used by payment processors to indicate the merchant name, and is perfectly normal for Chipotle transactions.

Can I get a refund for a CHIPOTLE* charge?

Yes — contact Chipotle customer service at chipotle.com/contact for order issues like wrong items or missing food, and refunds are typically issued back to your original payment method.

How do I cancel a Chipotle order to avoid a charge?

You can cancel a Chipotle order through the Chipotle app or website immediately after placing it, as long as it hasn't been confirmed for preparation. Contact Chipotle support quickly for assistance.

How do I stop future CHIPOTLE* charges I didn't authorize?

Log into your Chipotle account, remove any saved payment methods, change your password, and contact your bank to flag any further unauthorized CHIPOTLE* charges for investigation.

Home›Browse Charges›Food›CHIPOTLE*

CHIPOTLE* Charge (What It Is + Is It Legit?)

✓ Legitimate

The "CHIPOTLE*" charge is from Chipotle. Chipotle online food order.

🌍 US🕐 7 min read📅 Updated May 22, 2026

Chipotle

Chipotle online food order.

CHIPOTLE*

Why this shows on your statement

When Chipotle processes online orders through their digital ordering platform, the transaction is submitted to your bank using a truncated merchant identifier, which is why "CHIPOTLE*" shows up on your statement rather than the full company name. The asterisk following the name is a common formatting convention used by payment processors like Chase Paymentech, which handles a large portion of Chipotle's digital transactions, and it often indicates that additional characters such as an order number or location code may follow depending on your bank's display format. If you recently placed an online burrito bowl or placed a pickup order through the Chipotle app or website, this charge is almost certainly the legitimate transaction you're looking for.

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What should you do?

Confirm Your Chipotle Order

Log into your Chipotle account at chipotle.com and review your recent order history to match the CHIPOTLE* charge amount with a specific online food order you placed.

Check Your Email Receipt

Search your inbox for a confirmation email from Chipotle that corresponds to the CHIPOTLE* charge. The email will include your order details, total amount, and the date the order was placed.

Review Your Chipotle Rewards Account

Visit chipotle.com and check your Chipotle Rewards account to see if points were earned on the transaction date in question, which would confirm the CHIPOTLE* charge is tied to a legitimate purchase.

Manage Future Chipotle Orders

If you use a saved payment method on chipotle.com, periodically review your stored billing information and order history to keep track of recurring or accidental Chipotle charges and avoid unexpected CHIPOTLE* entries on your bank statement.

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Should you be worried?

No, this is a legitimate charge from Chipotle. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.

Is the CHIPOTLE* Charge Legitimate or Fraud?

A CHIPOTLE* charge on your bank or credit card statement is almost always a legitimate transaction from Chipotle Mexican Grill, one of the largest fast-casual restaurant chains in the US. This descriptor appears when you pay in-store, through the Chipotle app, or via the Chipotle website for delivery or pickup orders. If you don't immediately recognize it, consider these common reasons the charge may appear:

You or a family member placed an online or in-app order through the Chipotle website or mobile app
You used the Chipotle Rewards program and made a purchase at a Chipotle location
You ordered Chipotle delivery through the Chipotle app, which processes payment directly under the CHIPOTLE* descriptor
A saved payment method on your Chipotle account was used for a scheduled or repeat order

How to Verify the CHIPOTLE* Charge

1
Check your Chipotle account order history
Log into your Chipotle account at chipotle.com or open the Chipotle app and navigate to your order history to match the charge amount and date.
2
Search your email for Chipotle receipts
Search your inbox for emails from Chipotle (no-reply@chipotle.com) containing order confirmations or receipts that match the CHIPOTLE* charge on your statement.
3
Check with household members
Ask family members or roommates if they used a shared card to order from Chipotle in-store, online, or through the Chipotle app recently.
4
Review saved payment methods
Check if your card is saved in a Chipotle account you may have forgotten about — someone else in your household may have used it for a Chipotle order.
5
Contact your bank for details
If you still can't identify the CHIPOTLE* charge, call the number on the back of your card and ask your bank for the exact transaction date, amount, and location.

How to Dispute a CHIPOTLE* Charge

1
Act within 60 days
Most banks require you to dispute an unrecognized CHIPOTLE* charge within 60 days of the statement date, so don't delay if something looks wrong.
2
Contact Chipotle customer service first
Reach out to Chipotle directly at chipotle.com/contact or call 1-800-CHIPOTLE to report a billing issue — they can often resolve duplicate or incorrect charges quickly.
3
File a chargeback with your bank
If Chipotle cannot resolve the issue, contact your bank or credit card issuer to file a formal dispute for the CHIPOTLE* charge and provide any supporting documentation.
4
Request a new card if fraud is suspected
If you believe the CHIPOTLE* charge is the result of card fraud or a data breach, ask your bank to cancel your card and issue a new one with a different number.

Tips for Managing Chipotle Charges

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Enable bank transaction alerts so you're notified immediately whenever a CHIPOTLE* charge posts to your account.

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Always save your Chipotle order confirmation emails to easily match them against CHIPOTLE* charges on your statement.

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Use a strong, unique password for your Chipotle account to prevent unauthorized orders appearing as CHIPOTLE* charges.

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Check your statement around days you frequently order Chipotle — charges may post 1-2 days after the actual order date.

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Remove unused saved cards from your Chipotle account to reduce the risk of unexpected CHIPOTLE* charges.

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Use WhatIsThisCharge.net to identify related charges that may appear alongside CHIPOTLE* on your statement.

ℹ️ Note

In most cases, a CHIPOTLE* charge is simply a legitimate purchase from Chipotle Mexican Grill — whether you grabbed a burrito in-store or placed an online order through the Chipotle app. A quick check of your Chipotle order history is usually all it takes to confirm the charge.