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10 cards ranked

Best credit card to use at Peet's Coffee.

Dining

Peet's Coffee is a specialty coffee roaster and cafe chain with about 200 U.S. cafes, primarily in California. In-cafe charges code as dining on every card we track. Bagged-bean orders shipped from peets.com sometimes code as online shopping rather than dining — worth checking before relying on a 4x dining card. Heavy regulars stack the Peetnik Rewards loyalty program on top of card bonuses.

  1. #1
    Citi Custom Cashif it’s your top category
    Citi
    5% 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 cycle
    5%
  2. #2
    Discover it Cash Backthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  3. #3
    Discover it for Studentsthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  4. #4
    NHL Discover itthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  5. #5
    Robinhood Platinum
    Robinhood
    5% on dining
    5%
  6. #6
    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 (airfare, U.S. advertising, U.S. gas, U.S. restaurants, U.S. computer/cloud, transit) — combined cap
    4.8%4x points
  7. #7
    American Express Gold
    American Express
    4x points on dining
    4.8%4x points
  8. #8
    Marriott Bonvoy Bevy American Express
    American Express
    4x points on dining
    Restaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)
    4.8%4x points
  9. #9
    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)
    4.5%3x points
  10. #10
    Bilt Palladium
    Bilt
    3x points on dining (up to $25,000/year, then 1%)
    Choose dining or groceries as the 3x category
    4.5%3x points
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