Best credit card to use at Philz Coffee.

1. #1
   
   Robinhood Platinum

   Robinhood

   5% on dining
   5%
2. #2
   
   US Bank Business Essentials Plusif it’s your top category

   U.S. Bank

   5% 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 year
   5%
3. #3
   
   American Express Gold

   American Express

   4x points on dining (up to $50,000/year, then 1%)
   4.8%4x points
4. #4
   
   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 (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
5. #5
   
   US Bank Altitude Go Visa Signature

   U.S. Bank

   4x points on dining (up to $2,000/quarter, then 1%)

   Up to $2,000/quarter
   4.0%4x points
6. #6
   
   World of Hyatt

   Chase

   2x points on dining
   4.0%2x points
7. #7
   
   Wyndham Rewards Earner Plus

   Barclays

   4x points on dining
   4.0%4x points
8. #8
   
   Wyndham Rewards Earner Premier

   Barclays

   4x points on dining
   4.0%4x points
9. #9
   
   World of Hyatt Businessif it’s your top category

   Chase

   2x points on dining if it's your top eligible spend category that cycle

   Automatically 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 services
   4.0%2x points
10. #10
    
    Chase Sapphire Preferred

    Chase

    3x points on dining

    Dining worldwide, including takeout and eligible delivery
    3.8%3x points
11. #11
    
    Chase Sapphire Reserve

    Chase

    3x points on dining
    3.8%3x points
12. #12
    
    Hilton Honors American Express Aspire

    American Express

    7x points on dining

    U.S. restaurants
    3.5%7x points
13. #13
    
    AAA Travel Advantage Visa Signature

    Comenity Capital Bank

    3% on dining
    3%
14. #14
    
    Air France KLM Visa Signature

    Bank of America

    3x points on dining
    3.0%3x points
15. #15
    
    Atmos Rewards Summit

    Bank of America

    3x points on dining
    3.0%3x points
16. #16
    
    Capital One Savor Cash Rewards

    Capital One

    3% on dining
    3%
17. #17
    
    Capital One Savor Student Cash Rewards

    Capital One

    3% on dining
    3%
18. #18
    
    Capital One SavorOne Cash Rewards

    Capital One

    3% on dining
    3%
19. #19
    
    Chase Freedom Flex

    Chase

    3% on dining
    3%
20. #20
    
    Chase Freedom Unlimited

    Chase

    3% on dining
    3%

Last updated September 14, 2026