10 Best Credit Cards for K H Food of October 2026
Top picks for K H Food 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 K H Food, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Obsidian Card earns the top spot for K H Food purchases at 4.0¢ per dollar on dining — a $95 annual fee. We ranked every card in our database against K H Food 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.
Bilt Obsidian Card
Cardless
- +3x on Dining — points worth 2.0¢ each. 3X applies only while dining is the elected 3X category (dining or grocery). Dining is the default at account opening; grocery can be chosen within 30 days of opening or each January.
- +$200 in rewards bonus (~$200 value)
- +Est. $5/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
American Express Gold Card
American Express
- +4x on Dining — points worth 1.5¢ each
- +Est. $60/yr value — $120 Dining Credit
- +Est. $50/yr value — $100 Resy Credit
Chase Sapphire Preferred Card
Chase
- +3x on Dining — points worth 1.8¢ each
- +75,000 points bonus (~$1,350 value)
- +Est. $6.50/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Why Bilt Obsidian Card wins for K H Food
Bilt Obsidian Card earns 4.0¢ per dollar on dining when you shop at K H Food, the highest marginal rate in our list for this brand. At 4.0¢ per dollar, rewards cover the $95 fee after about $2,380 a year in K H Food spending. To come out ahead of U.S. Bank Cash+® Visa Signature® Card (3.0¢), you'd need about $9,500 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Fast Food Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 4.0¢/$ | $95 | $5 | mastercard |
| American Express Gold CardAmerican Express | 4x Membership Rewards | 3.8¢/$ | $325 | $18 | amex |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 3.6¢/$ | $95 | $6.50 | visa |
| Citi Strata Elite℠ CardCiti | 3x ThankYou Points | 3.6¢/$ | $595 | $316.50 | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | $20 | mastercard |
| U.S. Bank Cash+® Visa Signature® CardU.S. Bank | 5% cash back | 3.0¢/$ | $0 | — | visa |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 2.9¢/$ | $0 | — | visa |
| IHG One Rewards Premier Credit CardChase | 5x IHG One Rewards | 2.4¢/$ | $150 | $76.50 | mastercard |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $95 | $1.50 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.2¢/$ | $95 | $5 | mastercard |
More Options
How to maximize value at K H Food
- Use Bilt Obsidian Card for K H Food purchases — it earns 4.0¢ per dollar on dining at K H Food in our scoring.
- Shopping portals sometimes offer extra rewards at K H Food; check current portal rates before you buy.
- Pair Bilt Obsidian Card with American Express Gold Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major K H Food purchase around your card's welcome offer window — Bilt Obsidian Card's sign-up bonus is worth roughly $200 on top of base rewards.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Similar Brands
Other brands in Shopping where the top picks above also earn well.
Frequently asked
- What credit card earns the most at K H Food?
- Bilt Obsidian Card ranks #1 for K H Food in our list at 4.0¢ per dollar on dining (including K H Food) — $95 annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at K H Food?
- Shopping portals sometimes offer extra rewards at K H Food; check current portal rates before you buy.
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