Best credit card to use at First Watch.

1. #1
   
   Robinhood Platinum

   Robinhood

   5% on dining
   5%
2. #2
   
   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 (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
3. #3
   
   American Express Gold

   American Express

   4x points on dining (up to $50,000/year, then 1%)
   4.8%4x points
4. #4
   
   US Bank Altitude Go Visa Signature

   U.S. Bank

   4x points on dining (up to $2,000/quarter, then 1%)

   Up to $2,000/quarter
   4.0%4x points
5. #5
   
   World of Hyatt

   Chase

   2x points on dining
   4.0%2x points
6. #6
   
   World of Hyatt Businessif it’s your top category

   Chase

   2x points on dining if it's your top eligible spend category that cycle

   Automatically 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 services
   4.0%2x points
7. #7
   
   Wyndham Rewards Earner Plus

   Barclays

   4x points on dining
   4.0%4x points
8. #8
   
   Wyndham Rewards Earner Premier

   Barclays

   4x points on dining
   4.0%4x points
9. #9
   
   Chase Sapphire Preferred

   Chase

   3x points on dining

   Dining worldwide, including takeout and eligible delivery
   3.8%3x points
10. #10
    
    Chase Sapphire Reserve

    Chase

    3x points on dining
    3.8%3x points
11. #11
    
    Hilton Honors American Express Aspire

    American Express

    7x points on dining

    U.S. restaurants
    3.5%7x points
12. #12
    
    AAA Travel Advantage Visa Signature

    Comenity Capital Bank

    3% on dining
    3%
13. #13
    
    Aeroplan

    Chase

    3x points on dining
    3.0%3x points
14. #14
    
    Atmos Rewards Summit

    Bank of America

    3x points on dining
    3.0%3x points
15. #15
    
    Bank of America Cash Rewards Securedif you select it

    Bank of America

    3% on dining if you select it as a bonus category (up to $2,500/quarter, then 1%)

    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
16. #16
    
    Bank of America Customized Cash Rewardsif you select it

    Bank of America

    3% on dining if you select it as a bonus category (up to $2,500/quarter, then 1%)

    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
17. #17
    
    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). Earn up to 6x at participating Bilt Dining restaurants (limited network) when Dining is the selected category.
    3.0%3x points
18. #18
    
    Capital One Savor Cash Rewards

    Capital One

    3% on dining
    3%
19. #19
    
    Capital One Savor Student Cash Rewards

    Capital One

    3% on dining
    3%
20. #20
    
    Capital One SavorOne Cash Rewards

    Capital One

    3% on dining
    3%

Last updated July 28, 2026