Card Optimizer

Best credit card for Wendy's

We ranked all 106 cards in Card Optimizer's catalog for a $100 purchase at Wendy's on October 19, 2026, by the dollar value of what each earns.

See which of your cards wins at Wendy's

Top cards at Wendy's

Wendy's counts as fast food unless a card has a bonus for the store itself.

  1. Chase Freedom Flex

    Top pick10.5% back · $0 annual fee

    $10.50 on $100

    • 3x points on dining (includes fast food).
    • Plus 4x points extra on dining (includes fast food).
    • 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 (includes fast food).
    • 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 (includes fast food).
    • 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 (includes fast food).
    • 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. U.S. Bank Cash+ Visa Signature

    5% back · $0 annual fee

    $5.00 on $100

    • 5% cash back on fast food.
    • A category you picked for this card.
    • Counted with Fast food picked as its 5% category.
    • The bonus rate covers up to $2,000 of spend a quarter.

  6. Chase Freedom Unlimited

    4.5% back · $0 annual fee

    $4.50 on $100

    • 3x points on dining (includes fast food).
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.

  7. Bilt Obsidian

    4.5% back · $95 annual fee

    $4.50 on $100

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

  8. Chase Sapphire Preferred

    4.5% back · $95 annual fee

    $4.50 on $100

    • 3x points on dining (includes fast food).
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.

  9. Chase Aeroplan

    4.5% back · $195 annual fee

    $4.50 on $100

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

  10. Chase Sapphire Reserve

    4.5% back · $795 annual fee

    $4.50 on $100

    • 3x points on dining (includes fast food).
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.