Best credit card to use at Culver's.
Culver's is a Wisconsin-based quick-service chain known for ButterBurgers, fresh frozen custard with a rotating Flavor of the Day, and Wisconsin cheese curds. The family-owned business operates over 950 restaurants concentrated in the Midwest and Sun Belt. Culver's transactions code as restaurants on all major credit card networks, which makes them eligible for standard dining bonus categories.
- #1Discover it Cash Backthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #2Discover it for Studentsthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #3NHL Discover itthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #45%
- #5American Express Business Goldif it’s your top categoryAmerican Express4x 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 cap4.8%4x points
- #64.8%4x points
- #7American Express4x points on diningRestaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)4.8%4x points
- #8Bilt Obsidianif you select itBilt3x 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
- #94.0%4x points
- #104.0%2x points
- #114.0%2x points
- #124.0%4x points
- #134.0%4x points
- #143.8%3x points
- #153.8%3x points
- #163.6%3x points
- #173.6%3x points
- #183.6%3x points
- #193.5%7x points
- #203%
The Amex Gold leads on Culver's spending at 4x points per dollar on U.S. restaurants, while the Chase Sapphire Reserve and Capital One Savor both pay 3x or more on dining. No-annual-fee dining cards including the Capital One SavorOne and Wells Fargo Autograph each earn 3 percent or 3x on restaurants, which makes them practical defaults for everyday Culver's visits and family dinners.
Last updated May 17, 2026