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.
- #15%
- #24.8%4x points
- #3American 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 (U.S. advertising, U.S. electronic goods retailers and software/cloud providers, U.S. restaurants, U.S. gas stations, transit, U.S. wireless telephone service), combined cap. Flights earn 3x via AmexTravel.com.4.8%4x points
- #4U.S. Bank4x points on dining (up to $2,000/quarter, then 1%)Up to $2,000/quarter4.0%4x points
- #54.0%2x points
- #64.0%4x points
- #74.0%4x points
- #8World of Hyatt Businessif it’s your top categoryChase2x points on dining if it's your top eligible spend category that cycleAutomatically 2x total in your top three spend categories each calendar quarter, from dining, shipping, airline tickets bought directly with the airline, local transit and commuting, social media and search engine advertising, car rental agencies, gas stations, and internet/cable/phone services4.0%2x points
- #9Chase3x points on diningDining worldwide, including takeout and eligible delivery3.8%3x points
- #103.8%3x points
- #113.5%7x points
- #123%
- #133.0%3x points
- #143.0%3x points
- #153%
- #163%
- #173%
- #183%
- #19Chase3% on dining (up to $6,000/lifetime, then 1.5%)Dining at restaurants, including takeout and eligible delivery, on up to $6,000 spent in the first 6 months from account opening; 1.5% thereafter3%
- #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 September 14, 2026