20 cards ranked
Best credit card to use at Carl's Jr..
Dining
Carl's Jr. is the western US half of CKE Restaurants, known for charbroiled burgers like the Western Bacon Cheeseburger and the Famous Star. The chain runs about 1,000 domestic locations, mostly west of the Mississippi, alongside sister brand Hardee's in the east. In-store, drive-thru, and Carl's Jr. app purchases all code as fast-food/restaurants on every credit card network, so cards paying elevated rates on dining (Chase Sapphire Preferred at 3x, Amex Gold at 4x, Capital One Savor at 3%) all earn their full bonus here.
- #1Citi Custom Cashif it’s your top categoryCiti5% on dining if it's your top eligible spend category that cycle (up to $500/month, then 1%)Automatically on your top eligible spend category each billing cycle5%
- #2Discover it Cash Backthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #3Discover it for Studentsthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #4NHL Discover itthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #55%
- #6American 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 (airfare, U.S. advertising, U.S. gas, U.S. restaurants, U.S. computer/cloud, transit) — combined cap4.8%4x points
- #74.8%4x points
- #8American Express4x points on diningRestaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)4.8%4x points
- #9Bilt 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)4.5%3x points
- #10Bilt3x points on dining (up to $25,000/year, then 1%)Choose dining or groceries as the 3x category4.5%3x points
- #114.0%4x points
- #124.0%2x points
- #134.0%2x points
- #143.8%3x points
- #153.8%3x points
- #163.6%3x points
- #173.6%3x points
- #183.5%7x points
- #193%
- #203.0%3x points
Last updated May 17, 2026