Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Top picks for Cheesecake Factory from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Cheesecake Factory, after spend caps. Order can differ from that column because ranking adds the adjustments above.
American Express Gold Card earns the top spot for Cheesecake Factory purchases at 6.0¢ per dollar on dining — a $325 annual fee. We ranked every card in our database against Cheesecake Factory purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Amex
Cardless
Chase
American Express Gold Card earns 6.0¢ per dollar on dining when you shop at Cheesecake Factory, the highest marginal rate in our list for this brand. At 6.0¢ per dollar, rewards cover the $325 fee after about $5,420 a year in Cheesecake Factory spending. To come out ahead of Pottery Barn Key Rewards Visa (4.0¢), you'd need about $16,250 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Side-by-side view of the ranked picks.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| American Express Gold CardAmex | 4x Membership Rewards | 6.0¢/$ | $325 | $36 | amex |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.6¢/$ | $95 | $10 | mastercard |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | $46 | visa |
| Citi Strata Elite℠ CardCiti | 3x ThankYou Points | 4.8¢/$ | $595 | $630.50 | mastercard |
| Pottery Barn Key Rewards VisaCapital One | 4x points | 4.0¢/$ | $0 | — | visa |
| BMO EscapeBmo | 4x points | 4.0¢/$ | $150 | $36.50 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | $10 | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
| Chase Sapphire ReserveChase | 3x Ultimate Rewards | 5.4¢/$ | $795 | $180 | visa |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $40 | mastercard |
Statement credits or cash applied to your bill at Cheesecake Factory, separate from earn rate.
Other brands in Quick Service Restaurants where the top picks above also earn well.
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