20 cards ranked
Best credit card to use at First Watch.
Dining
First Watch operates more than 540 daytime-only restaurants serving breakfast, brunch, and lunch, with menu staples like Avocado Toast, the Chickichanga, lemon-ricotta pancakes, and fresh-pressed juices. Locations close mid-afternoon, distinguishing First Watch from all-day breakfast chains like IHOP and Denny's. First Watch transactions code as dining/restaurants on every US card. Dining-bonus cards earn full rate: Amex Gold at 4x Membership Rewards, Chase Sapphire Preferred at 3x, Chase Sapphire Reserve at 4x, Capital One SavorOne at 3% cash.
- #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 (airfare, U.S. advertising, U.S. gas, U.S. restaurants, U.S. computer/cloud, transit) — combined cap4.8%4x points
- #34.8%4x points
- #4American Express4x points on diningRestaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)4.8%4x points
- #54.0%4x points
- #64.0%2x points
- #74.0%2x points
- #84.0%4x points
- #94.0%4x points
- #10Chase3x points on diningDining worldwide, including takeout and eligible delivery3.8%3x points
- #113.8%3x points
- #123.6%3x points
- #133.6%3x points
- #143.6%3x points
- #153.5%7x points
- #163%
- #173.0%3x points
- #183.0%3x points
- #19Bilt 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)3.0%3x points
- #203%
Last updated June 30, 2026