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CardCurator — Rewards Intelligence
Fast Food

Best Credit Card for McDonald's

Compare the top credit cards to maximize your rewards every time you shop at McDonald's.

Choosing the right card for this category can meaningfully boost your overall rewards return on everyday spending.

Top Pick

Best Pick
Rakuten American Express® Card card art
Rakuten

Rakuten American Express® Card

10x
points per dollar
20.0%
effective return
No annual fee
annual fee
20,000 pts
signup bonus
spend $2,000 in 3mo

10x on Rakuten Dining

Apply Now More Info

More Good Options

  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    6x
    pts/dollar
    12.0%
    return

    6x on Dining

    Learn more →
  • Chase Freedom Unlimited card art
    Chase Ultimate Rewards
    Chase Freedom Unlimited
    3x
    pts/dollar
    6.0%
    return

    3x on Dining

    Learn more →
  • American Express Green Card card art
    American Express Membership Rewards
    American Express Green Card
    3x
    pts/dollar
    6.0%
    return

    3x on Dining At Restaurants Worldwide, including takeout and delivery in the US.

    Learn more →
  • Capital One Savor Cash Rewards card art
    Capital One
    Capital One Savor Cash Rewards
    3x
    pts/dollar
    5.6%
    return

    3x on Dining

    Learn more →
Compare these 3 cards side by side

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Common Questions

What is the best credit card to use at McDonald's?

The Rakuten American Express® Card is currently the top pick at McDonald's, earning 10x points per dollar — an effective 20.0% return. 10x on Rakuten Dining

How many points do I earn at McDonald's per dollar spent?

Top cards earn between 3x and 10x at McDonald's. Leading options include: Rakuten American Express® Card (10x), Bilt Palladium Card (6x), Chase Freedom Unlimited (3x).

Does McDonald's count as fast food for credit card rewards?

McDonald's typically falls under the Fast Food category for credit card reward purposes. Cards with a fast food spending bonus will earn an elevated rate here. Choosing the right card for this category can meaningfully boost your overall rewards return on everyday spending.

Is there a no-annual-fee card that earns well at McDonald's?

Yes — the Rakuten American Express® Card has no annual fee and earns 10x at McDonald's (20.0% effective return). 10x on Rakuten Dining