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20 cards ranked

Best credit card to use at Carl's Jr..

Dining

Carl's Jr. is the western US half of CKE Restaurants, known for charbroiled burgers like the Western Bacon Cheeseburger and the Famous Star. The chain runs about 1,000 domestic locations, mostly west of the Mississippi, alongside sister brand Hardee's in the east. In-store, drive-thru, and Carl's Jr. app purchases all code as fast-food/restaurants on every credit card network, so cards paying elevated rates on dining (Chase Sapphire Preferred at 3x, Amex Gold at 4x, Capital One Savor at 3%) all earn their full bonus here.

  1. #1
    Discover it Cash Backthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  2. #2
    Discover it for Studentsthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  3. #3
    NHL Discover itthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  4. #4
    Robinhood Platinum
    Robinhood
    5% on dining
    5%
  5. #5
    American Express Business Goldif it’s your top category
    American Express
    4x points on dining if it's your top eligible spend category that cycle (up to $150,000/year, then 1%)
    Automatically on your top 2 spending categories each billing cycle from 6 eligible (airfare, U.S. advertising, U.S. gas, U.S. restaurants, U.S. computer/cloud, transit) — combined cap
    4.8%4x points
  6. #6
    American Express Gold
    American Express
    4x points on dining
    4.8%4x points
  7. #7
    Marriott Bonvoy Bevy American Express
    American Express
    4x points on dining
    Restaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)
    4.8%4x points
  8. #8
    Bilt Obsidianif you select it
    Bilt
    3x points on dining if you select it as a bonus category (up to $25,000/year, then 1%)
    Choose dining (default) or groceries as your 3x category annually (cap applies when groceries is selected)
    4.5%3x points
  9. #9
    US Bank Altitude Go Visa Signature
    U.S. Bank
    4x points on dining
    Up to $2,000/quarter
    4.0%4x points
  10. #10
    World of Hyatt
    Chase
    2x points on dining
    4.0%2x points
  11. #11
    World of Hyatt Business
    Chase
    2x points on dining
    4.0%2x points
  12. #12
    Wyndham Rewards Earner Plus
    Barclays
    4x points on dining
    4.0%4x points
  13. #13
    Wyndham Rewards Earner Premier
    Barclays
    4x points on dining
    4.0%4x points
  14. #14
    Chase Sapphire Preferred
    Chase
    3x points on dining
    3.8%3x points
  15. #15
    Chase Sapphire Reserve
    Chase
    3x points on dining
    3.8%3x points
  16. #16
    American Express Green
    American Express
    3x points on dining
    3.6%3x points
  17. #17
    Marriott Bonvoy Brilliant American Express
    American Express
    3x points on dining
    Restaurants worldwide
    3.6%3x points
  18. #18
    Navy Federal More Rewards American Express
    Navy Federal
    3x points on dining
    Includes food delivery
    3.6%3x points
  19. #19
    Hilton Honors American Express Aspire
    American Express
    7x points on dining
    U.S. restaurants
    3.5%7x points
  20. #20
    AAA Travel Advantage Visa Signature
    Comenity Capital Bank
    3% on dining
    3%

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Last updated May 17, 2026

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