10 Best Credit Cards for Larchmont Wine & Liquor of October 2026
Top picks for Larchmont Wine & Liquor 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 Larchmont Wine & Liquor, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Obsidian Card earns the top spot for Larchmont Wine & Liquor purchases at 6.6¢ per dollar on dining — a $95 annual fee. We ranked every card in our database against Larchmont Wine & Liquor 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 2.2¢ 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.
- +Annual fee $95. Other listed credits: $100 of Bilt Travel Hotel credit (up to $100). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +$200 in rewards bonus (~$200 value)
American Express Gold Card
American Express
- +4x on Dining — points worth 1.5¢ each
- +Annual fee $325. Other listed credits: $120 Uber Cash (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +$120 Dining Credit (up to $10/mo); $84 Dunkin' Credit (up to $7/mo); $100 Resy Credit (up to $50/6mo) — not counted in estimated value or ranking; eligible use has not been established
Chase Sapphire Preferred Card
Chase
- +3x on Dining — points worth 1.8¢ each
- +Annual fee $95. Other listed credits: Global Entry, TSA PreCheck or NEXUS Credit (up to $120/4yr); $100 Annual Hotel Credit (up to $100/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +75,000 points bonus (~$1,350 value)
Why Bilt Obsidian Card wins for Larchmont Wine & Liquor
Bilt Obsidian Card earns 6.6¢ per dollar on dining when you shop at Larchmont Wine & Liquor, the highest marginal rate in our list for this brand. At 6.6¢ per dollar, rewards cover the $95 fee after about $1,440 a year in Larchmont Wine & Liquor spending. To come out ahead of U.S. Bank Altitude Go® Secured Visa® Card (4.0¢), you'd need about $3,650 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Dining Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.6¢/$ | $95 | — | mastercard |
| American Express Gold CardAmerican Express | 4x Membership Rewards | 6.0¢/$ | $325 | — | amex |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | — | mastercard |
| U.S. Bank Altitude Go® Secured Visa® CardU.S. Bank | 4x points | 4.0¢/$ | $0 | — | visa |
| BMO EscapeBMO | 4x points | 4.0¢/$ | $150 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 3.8¢/$ | $0 | — | visa |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | — | mastercard |
| Chase Sapphire ReserveChase | 3x Ultimate Rewards | 5.4¢/$ | $795 | — | visa |
More Options
How to maximize value at Larchmont Wine & Liquor
- Use Bilt Obsidian Card for Larchmont Wine & Liquor purchases — it earns 6.6¢ per dollar on dining at Larchmont Wine & Liquor in our scoring.
- Shopping portals sometimes offer extra rewards at Larchmont Wine & Liquor; 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 Larchmont Wine & Liquor 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 Larchmont Wine & Liquor?
- Bilt Obsidian Card ranks #1 for Larchmont Wine & Liquor in our list at 6.6¢ per dollar on dining (including Larchmont Wine & Liquor) — $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 Larchmont Wine & Liquor?
- Shopping portals sometimes offer extra rewards at Larchmont Wine & Liquor; check current portal rates before you buy.
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