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Best Credit Cards for Five Guys

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Best Credit Cards for Five Guys

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:DiningMerchant: Five GuysCached
95%
Not right? Try:
162 matches1215ms

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

American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.5¢/pt = 6.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.5¢ each ($360/yr on $6,000 spend)
  2. 2.$60/yr $120 Dining Credit
  3. 3.$50/yr $100 Resy Credit
  4. 4.$42/yr $84 Dunkin' Credit

$36 in credits offset the $325 fee

AMEXCore Rate
6.0¢
per dollar on dining
$325/yr($36 in credits)
Annual rewards$360
+ Credits$36
− Annual fee$325
Net annual value$71

Bonus rate on first $50,000/annual, then base rate

Bilt Obsidian Card
2

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.2¢/pt = 6.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.2¢ each ($396/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$10 in credits offset the $95 fee

MASTERCARDCore Rate
6.6¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$396
+ Credits$10
− Annual fee$95
Net annual value$311
Chase Sapphire Preferred Card
3

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$60/yr Complimentary DashPass Membership
  3. 3.OpenTable Special Dining Events

$46 in credits offset the $95 fee

VISACore Rate
5.4¢
per dollar on dining
$95/yr($46 in credits)
Annual rewards$324.00
+ Credits$46
− Annual fee$95
Net annual value$275.00
Citi Strata Elite℠ Card
4

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.6¢/pt = 4.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.6¢ each ($288/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$630.50 in credits fully offsets the $595 fee

MASTERCARDCore Rate
4.8¢
per dollar on dining
$595/yr($630.50 in credits)
Annual rewards$288
+ Credits$630.50
− Annual fee$595
Net annual value$323.50
Pottery Barn Key Rewards Visa
5

Pottery Barn Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISACore Rate
4.0¢
per dollar on dining
No annual fee
Annual rewards$240
Net annual value$240
6

BMO Escape

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)

$36.50 in credits offset the $150 fee

MASTERCARDCore Rate
4.0¢
per dollar on dining
$150/yr($36.50 in credits)
Annual rewards$240
+ Credits$36.50
− Annual fee$150
Net annual value$126.50

Bonus rate on first $3,000/quarterly, then base rate

Chase Sapphire Reserve
7

Chase Sapphire Reserve

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$180/yr DoorDash DashPass & Credits

$180 in credits offset the $795 fee

VISACore Rate
5.4¢
per dollar on dining
$795/yr($180 in credits)
Annual rewards$324.00
+ Credits$180
− Annual fee$795
Net annual value-$291.00
Citi Strata Premier Card
8

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.6¢/pt = 4.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.6¢ each ($288/yr on $6,000 spend)

$10 in credits offset the $95 fee

MASTERCARDCore Rate
4.8¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$288
+ Credits$10
− Annual fee$95
Net annual value$203
U.S. Bank Altitude Go Visa Signature Card
9

U.S. Bank Altitude Go Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Dining
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

Your spend ($6,000) is 75% of the $8,000 annual cap

VISACore Rate
4.0¢
per dollar on dining
No annual fee
Annual rewards$240
Net annual value$240

Bonus rate on first $2,000/quarterly, then base rate

10

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISACore Rate
4.0¢
per dollar on dining
No annual fee
Annual rewards$240
Net annual value$240
11

Bilt Palladium Card

Cardless

2x Bilt Rewards on Dining
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

    $40 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar on dining
    $495/yr($40 in credits)
    Annual rewards$264.00
    + Credits$40
    − Annual fee$495
    Net annual value-$191.00
    Wells Fargo Autograph Visa Credit Card
    12

    Wells Fargo Autograph Visa Credit Card

    Wells Fargo

    3x Wells Fargo Rewards on Dining
    3x × 1.3¢/pt = 3.8¢ per dollar
    Up to 4.8¢/$ (1.6¢/pt)via Choice Privileges

    Why this card

    1. 1.3x on Dining — points worth 1.3¢ each ($225/yr on $6,000 spend)
    2. 2.OpenTable Special Dining Events
    3. 3.Up to 1.6¢/pt via Choice Privileges

    No annual fee

    VISACore Rate
    3.8¢
    per dollar on dining
    No annual fee
    Annual rewards$225
    Net annual value$225
    13

    Capital One Venture X Rewards Credit Card

    Capital One

    2x Venture Miles on Dining
    2x × 1.9¢/pt = 3.7¢ per dollar

    Why this card

      $33 in credits offset the $395 fee

      VISA
      3.7¢
      per dollar on dining
      $395/yr($33 in credits)
      Annual rewards$222
      + Credits$33
      − Annual fee$395
      Net annual value-$140
      Rakuten American Express Card
      14

      Rakuten American Express Card

      First Electronic Bank

      2% cash back on Dining

      Convertible Cash Back — 2.0–4.0¢/$

      This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

      Why this card

      1. 1.2% cash back on Dining ($188/yr on $6,000 spend)
      2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value

      No annual fee

      AMEXConvertibleCore Rate
      2.0–4.0¢
      per dollar on dining
      depending on redemption
      No annual fee
      Annual rewards$188
      Net annual value$188
      U.S. Bank Altitude Go® Secured Visa® Signature
      15

      U.S. Bank Altitude Go® Secured Visa® Signature

      Usbank

      4x points on Dining

      Why this card

      1. 1.4x on Dining ($240/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events

      No annual fee

      VISACore Rate
      4.0¢
      per dollar on dining
      No annual fee
      Annual rewards$240
      Net annual value$240
      Gemini Credit Card
      16

      Gemini Credit Card

      Genesis Fs

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180
      BMO Premium Rewards Mastercard®
      17

      BMO Premium Rewards Mastercard®

      Bmo

      4x points on Dining

      Why this card

      1. 1.4x on Dining ($240/yr on $6,000 spend)

      Your spend ($6,000) is 75% of the $8,000 annual cap

      MASTERCARDCore Rate
      4.0¢
      per dollar on dining
      $95/yr
      Annual rewards$240
      − Annual fee$95
      Net annual value$145

      Bonus rate on first $2,000/quarterly, then base rate

      Marriott Bonvoy Bountiful Credit Card
      18

      Marriott Bonvoy Bountiful Credit Card

      Chase

      4x Marriott Bonvoy on Dining
      4x × 0.7¢/pt = 2.8¢ per dollar

      Why this card

      1. 1.4x on Dining — points worth 0.7¢ each ($168/yr on $6,000 spend)
      2. 2.$90/yr $150 Annual Dining Credit
      3. 3.OpenTable Special Dining Events
      4. 4.$15/yr Complimentary DashPass for 12 Months
      VISACore Rate
      2.8¢
      per dollar on dining
      $250/yr
      Annual rewards$168
      − Annual fee$250
      Net annual value-$82

      Bonus rate on first $15,000/annual, then base rate

      Wells Fargo Autograph Journey Visa Credit Card
      19

      Wells Fargo Autograph Journey Visa Credit Card

      Wells Fargo

      3x Wells Fargo Rewards on Dining
      3x × 1.3¢/pt = 3.8¢ per dollar
      Up to 4.8¢/$ (1.6¢/pt)via Choice Privileges

      Why this card

      1. 1.3x on Dining — points worth 1.3¢ each ($225/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events
      3. 3.Up to 1.6¢/pt via Choice Privileges
      VISACore Rate
      3.8¢
      per dollar on dining
      $95/yr
      Annual rewards$225
      − Annual fee$95
      Net annual value$130
      DoorDash Rewards Mastercard®
      20

      DoorDash Rewards Mastercard®

      Chase

      3x points on Dining via Direct

      Why this card

      1. 1.3x on Dining ($180/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      No annual fee($73.20 in credits)
      Annual rewards$180
      + Credits$73.20
      Net annual value$253.20
      21

      TD Cash Credit Card

      Td Bank

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events

      No annual fee

      VISACore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180
      Bank of America Customized Cash Rewards Credit Card
      22

      Bank of America Customized Cash Rewards Credit Card

      Bank Of America

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events

      No annual fee

      VISACore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $2,500/quarterly, then base rate

      23

      Macys American Express Card

      Citi

      3x points on Dining

      Why this card

      1. 1.3x on Dining ($180/yr on $6,000 spend)

      No annual fee

      AMEXCore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180
      Navy Federal GO REWARDS® Card
      24

      Navy Federal GO REWARDS® Card

      Navy Federal

      3x Navy Federal Nrewards on Dining
      3x × 1.0¢/pt = 3.0¢ per dollar

      Why this card

      1. 1.3x on Dining — points worth 1.0¢ each ($180/yr on $6,000 spend)

      No annual fee

      VISACore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180
      25

      Sam's Club Mastercard

      Synchrony

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180
      IHG One Rewards Premier Credit Card
      26

      IHG One Rewards Premier Credit Card

      Chase

      5x IHG One Rewards on Dining
      5x × 0.6¢/pt = 3.0¢ per dollar

      Why this card

      1. 1.5x on Dining — points worth 0.6¢ each ($180/yr on $6,000 spend)
      2. 2.$30/yr Complimentary DashPass Membership
      3. 3.$30/yr Instacart+ Savings
      4. 4.$15/yr Instacart+ Membership & Credit

      $3 in credits offset the $99 fee

      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      $99/yr($3 in credits)
      Annual rewards$180
      + Credits$3
      − Annual fee$99
      Net annual value$84
      SavorOne Rewards from Capital One
      27

      SavorOne Rewards from Capital One

      Capital One

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings
      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      $39/yr
      Annual rewards$180
      − Annual fee$39
      Net annual value$141
      28

      TD First Class℠  Visa Signature®

      Td Bank

      3x points on Dining

      Why this card

      1. 1.3x on Dining ($180/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events
      VISACore Rate
      3.0¢
      per dollar on dining
      $89/yr (Y1 waived)
      Annual rewards$180
      − Annual fee$89
      Net annual value$91
      29

      One Key+ Card

      Wells Fargo

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings
      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      $99/yr
      Annual rewards$180
      − Annual fee$99
      Net annual value$81
      Air France KLM World Elite Mastercard®
      30

      Air France KLM World Elite Mastercard®

      Bank Of America

      3x Flying Blue on Dining
      3x × 1.0¢/pt = 3.0¢ per dollar

      Why this card

      1. 1.3x on Dining — points worth 1.0¢ each ($180/yr on $6,000 spend)
      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      $89/yr
      Annual rewards$180
      − Annual fee$89
      Net annual value$91