The Rakuten American Express® Card is the best card for Chai Wok — it earns 10x and 10x on Rakuten Dining.
Updated July 2026
Best Credit Card for Chai Wok Dining Purchases
Compare the top dining rewards cards to maximize points and cash back every time you spend at Chai Wok.
Dining is a premium bonus category, with top cards earning 3–5x at restaurants, bars, and cafes. Spending $400/month on dining with the right card can generate $250–$400 in extra annual rewards. Chai Wok orders typically code as dining or fast food, qualifying for these bonuses.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
Top Pick
More Good Options
Citi ThankYou PointsCiti Strata Elite6xpts/dollar9.0%return6x on Restaurants (Citi Nights)
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American Express Membership RewardsAmerican Express Gold Card4xpts/dollar8.0%return4x on Restaurants (Worldwide)
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Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At Chai Wok, Rakuten American Express® Card is currently our top overall pick at 10x, which works out to about 20.0% back based on CardCurator's current point valuations. 10x on Rakuten Dining. On $500/month of spend, the top card is worth about $1200/year before signup bonuses or statement credits. Summary generated July 9, 2026. Source: https://cardcurator.ai/merchant/chai-wok
- Rakuten American Express® Card: 10x and 20.0% effective return.
- At $500/month, that's about $1200/year in rewards value before bonuses.
- Rakuten American Express® Card is also the best no-annual-fee option.
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card to use at Chai Wok?
The Rakuten American Express® Card is currently the top pick at Chai Wok, earning 10x points per dollar — an effective 20.0% return. 10x on Rakuten Dining
How many points do I earn at Chai Wok per dollar spent?
Top cards earn between 4x and 10x at Chai Wok. Leading options include: Rakuten American Express® Card (10x), Bilt Palladium Card (6x), Citi Strata Elite (6x).
Does Chai Wok count as restaurants for credit card rewards?
Chai Wok typically falls under the Restaurants category for credit card reward purposes. Cards with a restaurants spending bonus will earn an elevated rate here. Dining is a premium bonus category, with top cards earning 3–5x at restaurants, bars, and cafes. Spending $400/month on dining with the right card can generate $250–$400 in extra annual rewards. Chai Wok orders typically code as dining or fast food, qualifying for these bonuses.
Is there a no-annual-fee card that earns well at Chai Wok?
Yes — the Rakuten American Express® Card has no annual fee and earns 10x at Chai Wok (20.0% effective return). 10x on Rakuten Dining
Is a premium card worth the annual fee for Chai Wok spending?
The Bilt Palladium Card ($495/yr) earns 6x at Chai Wok. If you spend $344/month or more there, the category rewards alone offset the annual fee — before counting travel credits and other perks that often exceed $500 in value on premium cards.
Which card earns the most if I spend $500 per month at Chai Wok?
Rakuten American Express® Card: $1200/yr, Bilt Palladium Card: $720/yr, Citi Strata Elite: $540/yr. The Rakuten American Express® Card earns the most at $500/month.
Also earning in Restaurants
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.