Panera Bread

Name: Panera Bread
Address: 30642 Santa Margarita Pkwy, Rancho Santa Margarita, CA, 92688, US
Telephone: +19494599000

BakeryRancho Santa Margarita

Reservations not listed
30642 Santa Margarita Pkwy
Rancho Santa Margarita, CA 92688
+19494599000
Website

Ways to pay here

What each card earns on your bill, best first.

Your bill$

Top dining cards

Best nowAmerican Express Gold Card
$325 annual fee
4x on up to $50,000 of eligible spend a year
≈$6.00
6%
With Upside: ≈$16.00 · 16%
4x Membership Rewards on dining
400 Membership Rewards · ≈$6.00 at 1.5¢ each (valuation from Aug 2025)
After you join Upside and link this card
Upside, Upside user tier: 16% back
$10.00 cash back
16% back, up to $10 · Upside's public offer, yours may differ
Join Upside
Chase Sapphire Preferred Card
$95 annual fee
≈$5.40
5.4%
With Upside: ≈$15.40 · 15%
3x Chase Ultimate Rewards on dining
300 Chase Ultimate Rewards · ≈$5.40 at 1.8¢ each (valuation from Jan 2026)
After you join Upside and link this card
Upside, Upside user tier: 16% back
$10.00 cash back
16% back, up to $10 · Upside's public offer, yours may differ
Join Upside
Chase Sapphire Reserve
$795 annual fee
≈$5.40
5.4%
With Upside: ≈$15.40 · 15%
3x Chase Ultimate Rewards on dining
300 Chase Ultimate Rewards · ≈$5.40 at 1.8¢ each (valuation from Jan 2026)
After you join Upside and link this card
Upside, Upside user tier: 16% back
$10.00 cash back
16% back, up to $10 · Upside's public offer, yours may differ
Join Upside

Values are estimates at CardRewards point valuations. Some dining program terms here are not yet verified. See the best cards for dining.

Best now≈6%American Express Gold Card

About

Restaurant in Rancho Santa Margarita.

Panera Bread is at 30642 Santa Margarita Pkwy, Rancho Santa Margarita. Listed with Upside as of 2026-10-11.

Dining programs here

1 dining program pays extra here on top of your card. Join one, link a card, and pay with that card.

Upside
16% back
Upside · Every day
16% back, up to $10 · Upside's public offer, yours may differ
How Upside worksUnverified terms

Hours

Monday	7 AM – 8 PM
Tuesday	7 AM – 8 PM
Wednesday	7 AM – 8 PM
Thursday	7 AM – 8 PM
Friday	7 AM – 8 PM
Saturday	7 AM – 8 PM
Sunday	7 AM – 8 PM

Hours from OpenStreetMap; its listing was last updated May 2024.

Location

30642 Santa Margarita Pkwy · Rancho Santa Margarita, Rancho Santa Margarita

Directions Apple Maps

Details

Nearby restaurants

Little Caesars - Santa Margarita Pkwy & Antonio - CA
up to16%
Pizza · Rancho Santa Margarita · 0.9 mi
American Express Gold Card + Upside
Upside21%

1 Bakeries in Rancho Santa Margarita 2 restaurants in Rancho Santa Margarita

Some restaurant addresses, phone numbers, websites and cuisines come from Overture Maps Foundation open data (Meta and Microsoft, CDLA Permissive 2.0; Foursquare, Apache 2.0; AllThePlaces, CC0 1.0). Overture attribution Some neighbourhoods come from Who's On First boundaries (CC-BY 4.0). Who's On First licenses Some opening hours, phone numbers, websites and cuisines are © OpenStreetMap contributors (ODbL 1.0). OpenStreetMap copyright