Best credit card to use at McDonald's (October 2026)

The best card to use at McDonald's is the Wander American Express, which earns 5% cash back there.

Top cards at McDonald's

1Wander American Express Credit One Bank5% cash back · Restaurants
2Altitude Go U.S. Bank4x points (about 4.0% as cash) · Restaurants
3Altitude Go Secured U.S. Bank4x points (about 4.0% as cash) · Restaurants
4Pottery Barn Key Rewards Visa Capital One4% cash back · Restaurants
5Verizon Visa Synchrony4% cash back · Restaurants

Good to know

Wander American Express: Stated as cash back rewards, awarded as rewards points redeemable for statement credit, gift cards, travel and more (no point value is stated). 10% on eligible hotels and car rentals booked through the Credit One Bank travel partner is not modeled. $95 annual fee.
Altitude Go's 4x is capped at $2,000/quarter.
Altitude Go Secured's 4x is capped at $2,000/quarter.
Altitude Go Secured: Dining, takeout and restaurant delivery.
Pottery Barn Key Rewards Visa: Restaurants, fast food and food delivery.
Verizon Visa: Earned as Verizon Dollars, usable only on Verizon bills, devices and accessories.

Ranked by what each card earns at McDonald's, valuing points at their cash-out value. Closed, business and pick-your-own-category cards are left out. Rates checked against each issuer between October 4, 2026 and October 12, 2026.

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