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%
- #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
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 September 14, 2026