Best credit card to use at Whataburger.
Whataburger is a Texas-based burger chain founded in Corpus Christi in 1950 with over 1,000 restaurants across Texas, the Southwest, and an expanding Southeast footprint. The orange-and-white striped roofs are the calling card, and the menu centers on made-to-order burgers, breakfast taquitos, and honey butter chicken biscuits. Whataburger transactions code as restaurants on most credit card networks.
- #15%
- #2American 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
- #34.8%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
- #6World 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
- #74.0%4x points
- #84.0%4x 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
- #15Bank of America Cash Rewards Securedif you select itBank of America3% 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 row3%
- #16Bank of America Customized Cash Rewardsif you select itBank of America3% 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 row3%
- #17Bilt Obsidianif you select itBilt3x 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
- #183%
- #193%
- #203%
Premium dining cards capture the most value on Whataburger runs. The Amex Gold earns 4x points on U.S. restaurants, while the Chase Sapphire Reserve pays 3x on dining. No-annual-fee picks like the Capital One SavorOne and Wells Fargo Autograph each pay 3 percent or 3x on restaurants. The free Whataburger Rewards program stacks app-based rewards on top of credit card earn.
Last updated July 28, 2026