Quick Service Restaurants merchants: where each card earns
Browse 52 merchants and sub-categories, then see which cards earn the most at each brand.
52 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
Quick Service Restaurants groups 52 merchants — including the brands most readers ask about. Browse sub-categories and brands first; Bilt Obsidian Card is the current top pick at 4.0¢ per dollar, with a $95 annual fee.
Top 5 cards for Quick Service Restaurants
- 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 Elite℠ CardCiti3x ThankYou Points on Dining · $595 annual fee
- 5U.S. Bank Cash+® Visa Signature® CardU.S. Bank5% cash back on Fast Food · no annual fee
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Top brands across Quick Service Restaurants
Other categories like Quick Service Restaurants
Frequently asked
- What credit card has the highest cash back on quick service restaurants?
- Bilt Obsidian Card ranks #1 in our scoring for quick service restaurants at 4.0¢ 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 quick service restaurants?
- Yes — U.S. Bank Cash+® Visa Signature® Card earns 3.0¢ per dollar on quick service restaurants 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.
- What's the most popular sub-category under Quick Service Restaurants?
- Asian Fast Food — 0 merchants. Drill in for category-specific recommendations.
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