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20 cards ranked

Best credit card to use at Jack in the Box.

Dining

Jack in the Box operates roughly 2,200 locations concentrated in the western United States, built around a 24-hour menu that mixes burgers, tacos, breakfast sandwiches, and late-night munchie meals. Drive-thru and mobile-app orders code as standard quick-service restaurants, so any card paying a dining bonus (3-5% on cards like the Capital One Savor or Amex Gold) earns full rate. The Jack app supports Apple Pay and Google Pay funding, which lets you stack a card's dining multiplier with mobile-wallet bonuses on cards that offer them.

  1. #1
    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
    4x points on dining (up to $50,000/year, then 1%)
    4.8%4x points
  4. #4
    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
    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
    Barclays
    4x points on dining
    4.0%4x points
  8. #8
    Barclays
    4x points on dining
    4.0%4x points
  9. #9
    Chase
    3x points on dining
    Dining worldwide, including takeout and eligible delivery
    3.8%3x points
  10. #10
    Chase
    3x points on dining
    3.8%3x points
  11. #11
    American Express
    7x points on dining
    U.S. restaurants
    3.5%7x points
  12. #12
    Comenity Capital Bank
    3% on dining
    3%
  13. #13
    Chase
    3x points on dining
    3.0%3x points
  14. #14
    Bank of America
    3x points on dining
    3.0%3x points
  15. #15
    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
    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
    3% on dining
    3%
  19. #19
    3%
  20. #20
    Capital One
    3% on dining
    3%

Last updated July 28, 2026