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20 cards ranked

Best credit card to use at Waffle House.

Dining

Waffle House runs about 2,000 24-hour diners across 25 states, concentrated heavily in the Southeast, where the famously consistent grill menu spans waffles, hashbrowns scattered/smothered/ covered, T-bone steaks, and All-Star Specials. The chain's resilience during natural disasters spawned FEMA's unofficial Waffle House Index. Waffle House transactions code as dining/ restaurants on every US credit card. That means cards offering elevated dining multipliers (Amex Gold at 4x, Chase Sapphire Preferred at 3x, Capital One SavorOne at 3% cash) earn full rate.

  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%

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Last updated September 14, 2026

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