Coffee Shops merchants: where each card earns
Browse 2 merchants and sub-categories, then see which cards earn the most at each brand.
2 merchantsBy CardRewards.ai EditorialData as of November 13, 2026
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
Coffee Shops groups 2 merchants — including the brands most readers ask about. Browse sub-categories and brands first; Bilt Obsidian Card is the current top pick at 6.0¢ per dollar, with a $95 annual fee.
Top 5 cards for Coffee Shops
- 1Bilt Obsidian CardCardless3x Bilt Rewards on Dining · $95 annual fee
- 2American Express Gold CardAmerican Express4x Membership Rewards on Dining · $325 annual fee
- 3Chase Sapphire Preferred CardChase3x Ultimate Rewards on Dining · $95 annual fee
- 4Citi Strata Premier CardCiti3x ThankYou Points on Dining · $95 annual fee
- 5Wells Fargo Autograph Visa Credit CardWells Fargo3x Wells Fargo Rewards on Dining · no annual fee
Top brands across Coffee Shops
Other categories like Coffee Shops
Frequently asked
- What credit card has the highest cash back on coffee shops?
- Bilt Obsidian Card ranks #1 in our scoring for coffee shops at 6.0¢ per dollar — $95 annual fee. The ranking factors in earn rate, welcome offer value, and redemption flexibility, net of the fee.
- Are there no-annual-fee cards good for coffee shops?
- Yes — Wells Fargo Autograph Visa Credit Card earns 4.3¢ per dollar on coffee shops with no annual fee. It's the highest-ranking no-fee card in our scoring for this category.
- How are these cards ranked?
- Effective value per dollar — earn rate × points value (cents per point), plus amortized welcome offer value and credit offsets, net of the annual fee. Numbers reflect typical redemptions, not best-case outliers.
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