I have had Moe's and Qdoba, but I haven't had Chipotle. I don't know which one is the best, but Moe's seems to be expensive as hell.
$6.50 for a huge burrito with whatever you want on it plus bottomless chips and salsa. How do you beat that? Plus they have way more toppings than chipotle or qdoba. Moe's is way better in my opinion. Very fresh and tasty.
Moe's
Chipotle
Qdoba
In my opinion. I like the rice at Moe's better than the rice at Chipotle or Qdoba. Since my burritos are ridiculously boring, the rice does indeed make the difference for me. Plus, just go to Moe's on a Monday.
The rice is good at Moe's. I don't like the cilantro rice at Chipotle. I put probably ten toppings in my burrito at Moe's. They don't skimp either. The burrito is so huge they can hardly wrap it.