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20 cards ranked

Best credit card to use at Hardee's.

Dining

Hardee's is the eastern and southern US counterpart to Carl's Jr. under the CKE Restaurants umbrella, with around 1,700 domestic locations. The menu skews toward charbroiled Thickburgers, Made From Scratch Biscuits at breakfast, and hand-breaded chicken tenders. Purchases at Hardee's, including those routed through the Hardee's mobile app, code as fast-food dining, which means cards like the Capital One SavorOne (3% unlimited on dining), Chase Sapphire Preferred (3x), and Amex Gold (4x) earn at the full dining multiplier on every order.

  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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