Best Credit Card for Fast Food
Compare the top credit cards for fast food chains and quick service restaurants and find which one earns the most rewards.
Fast food and quick-service restaurants are often coded as "dining" by card networks, meaning cards with a dining bonus will earn elevated rates at McDonald's, Chipotle, Starbucks, and similar chains.
Top Pick
More Good Options
American Express Membership RewardsAmerican Express Green Card3xpts/dollar6.0%return3x on Dining At Restaurants Worldwide, including takeout and delivery in the US.
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Common Questions
What is the best credit card for Fast Food?
The Rakuten American Express® Card is currently the top pick for fast food chains and quick service restaurants, earning 10x points per dollar — an effective 20.0% return.
How many points do you earn on Fast Food purchases?
The top-rated card for fast food chains and quick service restaurants, the Rakuten American Express® Card, earns 10x per dollar — an effective return of 20.0%.
Is there a no-annual-fee card that earns rewards on Fast Food?
Yes — the Rakuten American Express® Card earns 10x on fast food chains and quick service restaurants with no annual fee (20.0% effective return).
Is a premium card worth the annual fee for Fast Food spending?
The Bilt Palladium Card ($495/yr) earns 6x on fast food chains and quick service restaurants. If you spend $344/month or more on fast food, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Fast Food?
Rakuten American Express® Card: $1200/yr, Bilt Palladium Card: $720/yr, Chase Freedom Unlimited: $360/yr. The Rakuten American Express® Card earns the most at $500/month.
Do rotating category cards earn on Fast Food?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature fast food as a 5% bonus category for one quarter per year. Year-round, a dedicated fast food card typically outperforms rotating category cards since you can't always count on the bonus.