Best card at a store
Best card for Chipotle in dollars (2026)
Published September 3, 2026. Updated September 14, 2026. Estimates use Pikt's card catalog and the same rewards engine as Pikt Checkout. Pikt personalizes each estimate to the cards you already carry, the purchase details, and any reward values you set. It compares supported earn rates, eligible offers, caps, and card constraints, then explains the result.
Answer
On a $14 purchase at Chipotle, Amex Gold earns the most: 4x points, worth about $1.12. Sapphire Preferred is next at $0.86, so the difference on this one purchase is $0.26. Amex Gold carries a $325 annual fee, which this one purchase does not cover on its own. This is a general ranking of 200+ personal cards. It does not use the cards in your wallet.
What counts as Chipotle
Chipotle, which codes as a restaurant.
Pikt classifies Chipotle as dining, so the ranking below uses each card's rate for that category plus any rate a card has for Chipotle itself.
Top cards at Chipotle, on a $14 purchase
The table compares 200+ personal cards still open to new applicants. Rotating 5% categories count only when the issuer's published calendar includes dining this quarter, and those rows are marked. Rates you choose yourself appear separately below.
| # | Card | Rate here | Earns on $14 | Annual fee |
|---|---|---|---|---|
| 1 | Amex Gold (opens in a new tab)American Express | 4x points | $1.12 | $325 |
| 2 | Sapphire Preferred (opens in a new tab)Chase | 3x points | $0.86 | $95 |
| 3 | Sapphire Reserve (opens in a new tab)Chase | 3x points | $0.86 | $795 |
| 4 | Strata Premier (opens in a new tab)Citi | 3x points | $0.80 | $95 |
| 5 | Citi Strata Elite (opens in a new tab)Citi | 3x points | $0.80 | $595 |
| 6 | Autograph (opens in a new tab)Wells Fargo | 3x points | $0.74 | $0 |
| 7 | Autograph Journey (opens in a new tab)Wells Fargo | 3x points | $0.74 | $95 |
| 8 | Atmos Rewards Summit Infinite (opens in a new tab)Bank of America | 3x points | $0.65 | $395 |
| 9 | Aeroplan Card (opens in a new tab)Chase | 3x points | $0.63 | $95 |
| 10 | Air France KLM Visa Signature (opens in a new tab)Bank of America | 3x points | $0.59 | $89 |
Points are turned into dollars at Pikt's published redemption value for each program, so a points card and a cash-back card can sit in the same column. Welcome bonuses, spending caps, and card-specific credits are not included in this one-purchase number.
Annual fees as of September 2026. Issuers change terms often, so check the issuer's own page before you apply.
Higher rates that depend on a condition
These cards can beat the table above, but only when the condition holds. Pikt ranks them at their everyday rate until it does.
- Huntington Voice Rewards Card (opens in a new tab) (Huntington Bank): 3x points, only if you choose this as the card's bonus category.
- TD Cash Credit Card (opens in a new tab) (TD Bank): 3% cash back, only if you choose this as the card's bonus category.
How Pikt got this answer
Pikt ran 200+ personal cards through the same rewards engine as Pikt Checkout. Each card is open to new applicants, and its earn rates have been checked against issuer terms. The example uses a $14 purchase classified as dining at Chipotle. Points and cash back are converted to dollars. Read how Pikt turns points into dollars.
The store's category code, not the aisle, decides which bonus applies. Business cards, cards no longer open to new applicants, and cards whose rates Pikt has not verified are left out.
Download the Extension to see a personal pick before you pay online.