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Best Credit Cards for Quick Service Restaurants

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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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.

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Best Credit Cards for Quick Service Restaurants

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

Resolved as:Fast Food+1 moreCached
70%
164 matches273ms

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

Chase Sapphire Preferred Card
1

Chase Sapphire Preferred Card

Chase

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

Why this card

  1. 1.3x on Fast Food — points worth 1.8¢ each ($216.00/yr on $6,000 spend)
  2. 2.$60/yr Complimentary DashPass Membership
  3. 3.$24/yr DoorDash DashPass benefits
  4. 4.OpenTable Special Dining Events

$5 in credits offset the $95 fee

VISACore Rate
3.6¢
per dollar on fast food
$95/yr($5 in credits)
Annual rewards$216.00
+ Credits$5
− Annual fee$95
Net annual value$126.00
American Express Gold Card
2

American Express Gold Card

Amex

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

Why this card

  1. 1.4x on Fast Food — points worth 1.5¢ each ($225/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

$18 in credits offset the $325 fee

AMEXCore Rate
3.8¢
per dollar on fast food
$325/yr($18 in credits)
Annual rewards$225
+ Credits$18
− Annual fee$325
Net annual value-$82

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

Bilt Obsidian Card
3

Bilt Obsidian Card

Cardless

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

Why this card

  1. 1.3x on Fast Food — points worth 2.2¢ each ($264/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$5 in credits offset the $95 fee

MASTERCARDCore Rate
4.4¢
per dollar on fast food
$95/yr($5 in credits)
Annual rewards$264
+ Credits$5
− Annual fee$95
Net annual value$174
Citi Strata Elite℠ Card
4

Citi Strata Elite℠ Card

Citi

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

Why this card

  1. 1.3x on Fast Food — points worth 1.6¢ each ($216/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$614 in credits fully offsets the $595 fee

MASTERCARDCore Rate
3.6¢
per dollar on fast food
$595/yr($614 in credits)
Annual rewards$216
+ Credits$614
− Annual fee$595
Net annual value$235
5

Capital One Venture X Rewards Credit Card

Capital One

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

Why this card

    $16.50 in credits offset the $395 fee

    VISA
    3.7¢
    per dollar on fast food
    $395/yr($16.50 in credits)
    Annual rewards$222
    + Credits$16.50
    − Annual fee$395
    Net annual value-$156.50
    6

    Bilt Palladium Card

    Cardless

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

    Why this card

      $20 in credits offset the $495 fee

      MASTERCARD
      4.4¢
      per dollar on fast food
      $495/yr($20 in credits)
      Annual rewards$264.00
      + Credits$20
      − Annual fee$495
      Net annual value-$211.00
      Chase Sapphire Reserve
      7

      Chase Sapphire Reserve

      Chase

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

      Why this card

      1. 1.3x on Fast Food — points worth 1.8¢ each ($216.00/yr on $6,000 spend)
      2. 2.$180/yr DoorDash DashPass & Credits

      $93 in credits offset the $795 fee

      VISACore Rate
      3.6¢
      per dollar on fast food
      $795/yr($93 in credits)
      Annual rewards$216.00
      + Credits$93
      − Annual fee$795
      Net annual value-$486
      U.S. Bank Cash+® Visa Signature® Card
      8

      U.S. Bank Cash+® Visa Signature® Card

      Usbank

      5% cash back on Fast Food

      Why this card

      1. 1.5% cash back on Fast Food ($180/yr on $6,000 spend)

      No annual fee

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

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

      Citi Strata Premier Card
      9

      Citi Strata Premier Card

      Citi

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

      Why this card

      1. 1.3x on Fast Food — points worth 1.6¢ each ($192/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings

      $5 in credits offset the $95 fee

      MASTERCARDCore Rate
      3.2¢
      per dollar on fast food
      $95/yr($5 in credits)
      Annual rewards$192
      + Credits$5
      − Annual fee$95
      Net annual value$102
      DoorDash Rewards Mastercard®
      10

      DoorDash Rewards Mastercard®

      Chase

      3x points on Fast Food via Direct

      Why this card

      1. 1.3x on Fast Food ($120/yr on $6,000 spend)
      2. 2.$153/yr 10% Monthly Grocery Discount
      3. 3.$82/yr Free DashPass for First Year

      No annual fee

      MASTERCARDCore Rate
      2.0¢
      per dollar on fast food
      No annual fee
      Annual rewards$120
      Net annual value$120
      11

      One Key+ Card

      Wells Fargo

      3% cash back on Fast Food

      Why this card

      1. 1.3% cash back on Fast Food ($150/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings
      MASTERCARDCore Rate
      2.5¢
      per dollar on fast food
      $99/yr
      Annual rewards$150
      − Annual fee$99
      Net annual value$51
      Rakuten American Express Card
      12

      Rakuten American Express Card

      First Electronic Bank

      2% cash back on Fast Food

      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 Fast Food ($141/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 fast food
      depending on redemption
      No annual fee
      Annual rewards$141
      Net annual value$141
      Marriott Bonvoy Bountiful Credit Card
      13

      Marriott Bonvoy Bountiful Credit Card

      Chase

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

      Why this card

      1. 1.4x on Fast Food — points worth 0.7¢ each ($126/yr on $6,000 spend)
      2. 2.$90/yr $150 Annual Dining Credit
      3. 3.$15/yr Complimentary DashPass for 12 Months
      4. 4.OpenTable Special Dining Events
      VISACore Rate
      2.1¢
      per dollar on fast food
      $250/yr
      Annual rewards$126
      − Annual fee$250
      Net annual value-$124

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

      14

      Verizon Visa Card

      Synchrony

      4% cash back on Fast Food

      Why this card

      1. 1.4% cash back on Fast Food ($150/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events

      No annual fee

      VISACore Rate
      2.5¢
      per dollar on fast food
      No annual fee
      Annual rewards$150
      Net annual value$150
      Wells Fargo Autograph Visa Credit Card
      15

      Wells Fargo Autograph Visa Credit Card

      Wells Fargo

      3x Wells Fargo Rewards on Fast Food
      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 Fast Food — points worth 1.3¢ each ($150/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
      2.5¢
      per dollar on fast food
      No annual fee
      Annual rewards$150
      Net annual value$150
      BJ's One+™ Mastercard®
      16

      BJ's One+™ Mastercard®

      Capital One

      2% cash back on Fast Food

      Why this card

      1. 1.$30/yr Instacart+ Savings

      No annual fee

      MASTERCARD
      2.0¢
      per dollar on fast food
      No annual fee
      Annual rewards$120
      Net annual value$120
      Chase Freedom Flex
      17

      Chase Freedom Flex

      Chase

      3% cash back on Fast Food

      Why this card

      1. 1.3% cash back on Fast Food ($120/yr on $6,000 spend)
      2. 2.$30/yr DashPass Subscription
      3. 3.$30/yr Instacart+ Savings
      4. 4.$20/yr DoorDash

      No annual fee

      MASTERCARDCore Rate
      2.0¢
      per dollar on fast food
      No annual fee
      Annual rewards$120
      Net annual value$120
      Aeroplan® Card
      18

      Aeroplan® Card

      Chase

      3x Aeroplan on Fast Food
      3x × 1.0¢/pt = 3.0¢ per dollar

      Why this card

      1. 1.3x on Fast Food — points worth 1.0¢ each ($120/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings
      3. 3.$8/yr DoorDash

      $15 in credits offset the $195 fee

      MASTERCARDCore Rate
      2.0¢
      per dollar on fast food
      $195/yr($15 in credits)
      Annual rewards$120
      + Credits$15
      − Annual fee$195
      Net annual value-$60
      Chase Freedom Unlimited
      19

      Chase Freedom Unlimited

      Chase

      3% cash back on Fast Food

      Why this card

      1. 1.3% cash back on Fast Food ($135/yr on $6,000 spend)
      2. 2.$30/yr DoorDash DashPass Subscription

      No annual fee

      VISACore Rate
      2.3¢
      per dollar on fast food
      No annual fee
      Annual rewards$135
      Net annual value$135
      Fidelity Rewards Visa Signature Card
      20

      Fidelity Rewards Visa Signature Card

      Elan Financial

      2% cash back on Fast Food

      Why this card

      1. 1.OpenTable Special Dining Events

      No annual fee

      VISA
      2.0¢
      per dollar on fast food
      No annual fee
      Annual rewards$120
      Net annual value$120
      U.S. Bank Altitude Go Visa Signature Card
      21

      U.S. Bank Altitude Go Visa Signature Card

      Usbank

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

      Why this card

      1. 1.4x on Fast Food — points worth 1.0¢ each ($150/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events

      No annual fee

      VISACore Rate
      2.5¢
      per dollar on fast food
      No annual fee
      Annual rewards$150
      Net annual value$150

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

      Citi Strata Credit Card
      22

      Citi Strata Credit Card

      Citi

      2x ThankYou Points on Fast Food
      2x × 1.6¢/pt = 3.2¢ per dollar

      Why this card

      1. 1.2x on Fast Food — points worth 1.6¢ each ($144/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      2.4¢
      per dollar on fast food
      No annual fee($15 in credits)
      Annual rewards$144
      + Credits$15
      Net annual value$159
      Wells Fargo Autograph Journey Visa Credit Card
      23

      Wells Fargo Autograph Journey Visa Credit Card

      Wells Fargo

      3x Wells Fargo Rewards on Fast Food
      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 Fast Food — points worth 1.3¢ each ($150/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events
      3. 3.Up to 1.6¢/pt via Choice Privileges
      VISACore Rate
      2.5¢
      per dollar on fast food
      $95/yr
      Annual rewards$150
      − Annual fee$95
      Net annual value$55
      Pottery Barn Key Rewards Visa
      24

      Pottery Barn Key Rewards Visa

      Capital One

      4x points on Fast Food

      Why this card

      1. 1.4x on Fast Food ($120/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events

      No annual fee

      VISACore Rate
      2.0¢
      per dollar on fast food
      No annual fee
      Annual rewards$120
      Net annual value$120
      Bank of America Customized Cash Rewards Credit Card
      25

      Bank of America Customized Cash Rewards Credit Card

      Bank Of America

      3% cash back on Fast Food

      Why this card

      1. 1.3% cash back on Fast Food ($120/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events

      No annual fee

      VISACore Rate
      2.0¢
      per dollar on fast food
      No annual fee
      Annual rewards$120
      Net annual value$120

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

      26

      TD Double Up Credit Card

      Td Bank

      2% cash back on Fast Food

      Why this card

      1. 1.OpenTable Special Dining Events

      No annual fee

      VISA
      2.0¢
      per dollar on fast food
      No annual fee
      Annual rewards$120
      Net annual value$120
      Capital One Savor Cash Rewards Credit Card
      27

      Capital One Savor Cash Rewards Credit Card

      Capital One

      3% cash back on Fast Food

      Why this card

      1. 1.3% cash back on Fast Food ($90/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings
      3. 3.Capital One Dining

      No annual fee

      MASTERCARDCore Rate
      1.5¢
      per dollar on fast food
      No annual fee
      Annual rewards$90
      Net annual value$90
      28

      Sam's Club Mastercard

      Synchrony

      3% cash back on Fast Food

      Why this card

      1. 1.3% cash back on Fast Food ($120/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      2.0¢
      per dollar on fast food
      No annual fee
      Annual rewards$120
      Net annual value$120
      29

      Navy Federal More Rewards American Express®

      Navy Federal

      3x points on Fast Food

      Why this card

      1. 1.3x on Fast Food ($120/yr on $6,000 spend)

      No annual fee

      AMEXCore Rate
      2.0¢
      per dollar on fast food
      No annual fee
      Annual rewards$120
      Net annual value$120
      Navy Federal GO REWARDS® Card
      30

      Navy Federal GO REWARDS® Card

      Navy Federal

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

      Why this card

      1. 1.3x on Fast Food — points worth 1.0¢ each ($120/yr on $6,000 spend)

      No annual fee

      VISACore Rate
      2.0¢
      per dollar on fast food
      No annual fee
      Annual rewards$120
      Net annual value$120