20 cards ranked
Best credit card to use at Ruth's Chris Steak House.
Dining
Ruth's Chris Steak House, now owned by Darden Restaurants, operates about 150 upscale steakhouses known for USDA Prime steaks served on 500-degree plates with sizzling butter, plus signature sides like the Sweet Potato Casserole. Average check sizes run high enough that a well-chosen dining card meaningfully changes the bill economics. Ruth's Chris codes as dining/restaurants on every credit card. Top picks here include the Amex Gold (4x Membership Rewards), Chase Sapphire Reserve (4x Ultimate Rewards), and Capital One Savor (3%).
- #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