Best credit card to use at Whataburger.
Whataburger is a Texas-based burger chain founded in Corpus Christi in 1950 with over 1,000 restaurants across Texas, the Southwest, and an expanding Southeast footprint. The orange-and-white striped roofs are the calling card, and the menu centers on made-to-order burgers, breakfast taquitos, and honey butter chicken biscuits. Whataburger transactions code as restaurants on most credit card networks.
- #15%
- #2Chase Freedom Flexthis quarterChase5% on dining this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Q4 2026: grocery stores (excluding Walmart and Target), dining, and donations to the American Red Cross5%
- #3Discover it Cash Backthis quarterDiscover5% on dining this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #4Discover it for Studentsthis quarterDiscover5% on dining this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #5Discover it Securedthis quarterDiscover5% on dining this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #6NHL Discover itthis quarterDiscover5% on dining this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #7US Bank Business Essentials Plusif it’s your top categoryU.S. Bank5% 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 year5%
- #84.8%4x points
- #9American 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 (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
- #10U.S. Bank4x points on dining (up to $2,000/quarter, then 1%)Up to $2,000/quarter4.0%4x points
- #114.0%2x points
- #124.0%4x points
- #134.0%4x points
- #14World of Hyatt Businessif it’s your top categoryChase2x points on dining if it's your top eligible spend category that cycleAutomatically 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 services4.0%2x points
- #15Chase3x points on diningDining worldwide, including takeout and eligible delivery3.8%3x points
- #163.8%3x points
- #173.5%7x points
- #183%
- #193.0%3x points
- #203.0%3x points
Premium dining cards capture the most value on Whataburger runs. The Amex Gold earns 4x points on U.S. restaurants, while the Chase Sapphire Reserve pays 3x on dining. No-annual-fee picks like the Capital One SavorOne and Wells Fargo Autograph each pay 3 percent or 3x on restaurants. The free Whataburger Rewards program stacks app-based rewards on top of credit card earn.
Last updated September 14, 2026