The best credit card for Chipotle
At Chipotle, American Express Gold Card earns the most: $8.00 per $100.
Chipotle rings up as restaurants & bars.
The short version
- Use: American Express Gold Card, if you carry it.
- Why Chipotle has its own page: the ranking is the same as for dining out in general — it is here because people ask by name.
| # | Card | EarnsThe rate the card advertises here, in its own currency: cash back, points or miles. | per $100What $100 of spending earns, in dollars: the rate multiplied by what the currency is worth. This is what the table is ranked by. |
|---|---|---|---|
| 1 |
American Express, $325/yr
Up to $50,000 per year, then the base rate |
4x | $8.00 |
| 2 |
Bilt, No annual fee
|
3x | $6.00 |
| 3 |
Chase, $95/yr
|
3x | $6.00 |
| 4 |
American Express, $150/yr
Restaurants worldwide, including takeout |
3x | $6.00 |
| 5 |
Chase, $795/yr
|
3x | $6.00 |
| 6 |
Citi, $95/yr
|
3x | $4.80 |
| 7 |
Citi, $595/yr
6x on Friday and Saturday 6pm–6am ET |
3x | $4.80 |
| 8 |
Bank of America, $395/yr
Eligible dining |
3x | $4.65 |
No rotating categories switched on, and no travel-portal rates — the method.
Before you pay
A shopping portal and a card-linked offer can both pay on top of whichever card you use here — and the portal has to be started before you shop. How the three stack, and in what order.