Best credit card to use at In-N-Out Burger.
In-N-Out Burger is a West Coast cult favorite founded in Baldwin Park, California in 1948, with around 400 locations across California, Nevada, Arizona, Utah, Texas, Oregon, Colorado, and Idaho. The minimalist menu of Double-Doubles, fries, and shakes plus the off-menu Animal Style ordering is the chain's identity. In-N-Out transactions code as restaurants on Visa, Mastercard, and Amex networks.
- #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%
Dining rewards cards capture In-N-Out well. The Amex Gold earns 4x points on U.S. restaurants and is the top earner for frequent visitors, while the Chase Sapphire Reserve pays 3x. No-annual-fee dining picks include the Capital One SavorOne at 3 percent and Wells Fargo Autograph at 3x. In-N-Out does not run a customer rewards program, so credit card rewards are the only structured path to cash back.
Last updated September 14, 2026