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20 cards ranked

Best credit card to use at First Watch.

Dining

First Watch operates more than 540 daytime-only restaurants serving breakfast, brunch, and lunch, with menu staples like Avocado Toast, the Chickichanga, lemon-ricotta pancakes, and fresh-pressed juices. Locations close mid-afternoon, distinguishing First Watch from all-day breakfast chains like IHOP and Denny's. First Watch transactions code as dining/restaurants on every US card. Dining-bonus cards earn full rate: Amex Gold at 4x Membership Rewards, Chase Sapphire Preferred at 3x, Chase Sapphire Reserve at 4x, Capital One SavorOne at 3% cash.

  1. #1
    Robinhood Platinum
    Robinhood
    5% on dining
    5%
  2. #2
    American Express Gold
    American Express
    4x points on dining (up to $50,000/year, then 1%)
    4.8%4x points
  3. #3
    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
  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
    Wyndham Rewards Earner Plus
    Barclays
    4x points on dining
    4.0%4x points
  7. #7
    Wyndham Rewards Earner Premier
    Barclays
    4x points on dining
    4.0%4x points
  8. #8
    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
  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
    Air France KLM Visa Signature
    Bank of America
    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
    Capital One Savor Cash Rewards
    Capital One
    3% on dining
    3%
  16. #16
    Capital One Savor Student Cash Rewards
    Capital One
    3% on dining
    3%
  17. #17
    Capital One SavorOne Cash Rewards
    Capital One
    3% on dining
    3%
  18. #18
    Chase Freedom Flex
    Chase
    3% on dining
    3%
  19. #19
    Chase Freedom Rise
    Chase
    3% 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% thereafter
    3%
  20. #20
    Chase Freedom Unlimited
    Chase
    3% on dining
    3%

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Last updated September 14, 2026

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