Best credit card to use at Zaxby's.
Zaxby's is a Georgia-based chicken-finger and wing quick-service chain with over 900 restaurants concentrated in the Southeast. The menu features Chicken Finger Plates, Boneless and Traditional Wings, Zalads, and a lineup of signature sauces like Zax Sauce and Tongue Torch. Zaxby's transactions code as restaurants on Visa, Mastercard, and Amex networks.
- #15%
- #2American 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
- #34.8%4x points
- #4American Express4x points on diningRestaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)4.8%4x points
- #54.0%4x points
- #64.0%2x points
- #74.0%2x points
- #84.0%4x points
- #94.0%4x points
- #10Chase3x points on diningDining worldwide, including takeout and eligible delivery3.8%3x points
- #113.8%3x points
- #123.6%3x points
- #133.6%3x points
- #143.6%3x points
- #153.5%7x points
- #163%
- #173.0%3x points
- #183.0%3x points
- #19Bilt 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)3.0%3x points
- #203%
The Amex Gold earns 4x points on U.S. restaurants and tops the cards for Zaxby's spending, while the Chase Sapphire Reserve pays 3x on dining and adds purchase protection. The Capital One SavorOne and Wells Fargo Autograph each pay 3 percent or 3x on restaurants with no annual fee. The Zax Rewardz app program adds visit points that stack with credit card cash back on every Big Zax Snak run.
Last updated June 30, 2026