Card Optimizer

Best credit card for The Cheesecake Factory

The card that earns the most on a $100 purchase at The Cheesecake Factory, out of the 106 cards we track.

Top pick

Chase Freedom Flex

$10.50 on $100

10.5% back · $0 annual fee

  • 3x points on dining.
  • Plus 4x points extra on dining.
  • Rotating bonus active 2026-10-01 to 2026-12-31.
  • Bonus must be activated with the issuer to earn this rate.
  • 700 Chase Ultimate Rewards points valued at 1.5¢ each.
  • The bonus rate covers up to $1,500 of spend a quarter.
See which of your cards wins at The Cheesecake Factory

Also worth a look

  • Runner-up

    American Express Gold Card

    $6.00 on $100

    6% back · $325 annual fee

  • Also good

    American Express Business Gold Card

    $6.00 on $100

    6% back · $375 annual fee

  • Also good

    Discover it Cash Back

    $5.00 on $100

    5% back · $0 annual fee

See the top 10 at The Cheesecake Factory with rates, fees and why each earns what it does

  1. Chase Freedom Flex

    10.5% back · $0 annual fee

    $10.50 on $100

    • 3x points on dining.
    • Plus 4x points extra on dining.
    • Rotating bonus active 2026-10-01 to 2026-12-31.
    • Bonus must be activated with the issuer to earn this rate.
    • 700 Chase Ultimate Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $1,500 of spend a quarter.

  2. American Express Gold Card

    6% back · $325 annual fee

    $6.00 on $100

    • 4x points on dining.
    • 400 Amex Membership Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $50,000 of spend a year.

  3. American Express Business Gold Card

    6% back · $375 annual fee

    $6.00 on $100

    • 4x points on dining.
    • American Express's default category until you pick one.
    • 400 Amex Membership Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $150,000 of spend a year.

  4. Discover it Cash Back

    5% back · $0 annual fee

    $5.00 on $100

    • 5% cash back on dining.
    • Rotating bonus active 2026-10-01 to 2026-12-31.
    • Bonus must be activated with the issuer to earn this rate.
    • The bonus rate covers up to $1,500 of spend a quarter.

  5. Chase Freedom Unlimited

    4.5% back · $0 annual fee

    $4.50 on $100

    • 3x points on dining.
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.

  6. Bilt Obsidian

    4.5% back · $95 annual fee

    $4.50 on $100

    • 3x points on dining.
    • Bilt's default category until you pick one.
    • 300 Bilt points valued at 1.5¢ each.

  7. Chase Sapphire Preferred

    4.5% back · $95 annual fee

    $4.50 on $100

    • 3x points on dining.
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.

  8. Chase Aeroplan

    4.5% back · $195 annual fee

    $4.50 on $100

    • 3x points on dining.
    • Limited-time bonus through 2026-12-31.
    • 300 Aeroplan points valued at 1.5¢ each.

  9. Chase Sapphire Reserve

    4.5% back · $795 annual fee

    $4.50 on $100

    • 3x points on dining.
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.

  10. Citi Strata Premier

    4.2% back · $95 annual fee

    $4.20 on $100

    • 3x points on dining.
    • 300 Citi ThankYou points valued at 1.4¢ each.