20 cards ranked
Best credit card to use at Waffle House.
Dining
Waffle House runs about 2,000 24-hour diners across 25 states, concentrated heavily in the Southeast, where the famously consistent grill menu spans waffles, hashbrowns scattered/smothered/ covered, T-bone steaks, and All-Star Specials. The chain's resilience during natural disasters spawned FEMA's unofficial Waffle House Index. Waffle House transactions code as dining/ restaurants on every US credit card. That means cards offering elevated dining multipliers (Amex Gold at 4x, Chase Sapphire Preferred at 3x, Capital One SavorOne at 3% cash) earn full rate.
- #15%
- #2Chase Freedom Flexthis quarterChase5% on dining this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Q4 2026: grocery stores (excluding Walmart and Target), dining, and donations to the American Red Cross5%
- #3Discover it Cash Backthis quarterDiscover5% on dining this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #4Discover it for Studentsthis quarterDiscover5% on dining this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #5Discover it Securedthis quarterDiscover5% on dining this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #6NHL Discover itthis quarterDiscover5% on dining this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #7US Bank Business Essentials Plusif it’s your top categoryU.S. Bank5% on dining if it's your top eligible spend category that cycle (up to $200,000/year, then 2%)Automatically on your top eligible spend category each month from 8 eligible (accounting & tax services, airlines, cell phone service providers, dining, entertainment, office supply stores, postal & shipping services, utilities), up to $200,000 a year5%
- #84.8%4x points
- #9American 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
- #10U.S. Bank4x points on dining (up to $2,000/quarter, then 1%)Up to $2,000/quarter4.0%4x points
- #114.0%2x points
- #124.0%4x points
- #134.0%4x points
- #14World 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
- #15Chase3x points on diningDining worldwide, including takeout and eligible delivery3.8%3x points
- #163.8%3x points
- #173.5%7x points
- #183%
- #19Chase3x points on diningPurchases posting through December 31, 2026 earn 3x, then 2x3.0%3x points
- #203.0%3x points
Last updated October 23, 2026