Best Credit Cards for Dining & Restaurants

We've analyzed our database of premium cards to find the top picks for dining & restaurants.

#1
Citi

Citi Prestige® Card

Citi Prestige® Card card
Earns on Dining & Restaurants
5x
Annual Fee
$495
Points value
1.9¢/pt
Effective value
9.5%
Total Credits
$350/yr

Annual Travel Credit • TSA PreCheck/Global Entry

#2
American Express

American Express® Gold Card

American Express® Gold Card card
Earns on Dining & Restaurants
4x
Up to $50,000
Annual Fee
$325
Points value
2¢/pt
Effective value
8%
Total Credits
$620/yr

Uber Cash • Dining Credit • Dunkin' Credit • Resy Credit • Hotel Collection Credit • Annual Uber One Membership – Gold Card 60th

#3
Bilt

Bilt Mastercard® Obsidian

Bilt Mastercard® Obsidian card
Earns on Dining & Restaurants
3x
Choice
Annual Fee
$95
Points value
2.2¢/pt
Effective value
6.6%
Total Credits
$300/yr

Bilt Travel Hotel Credit • Welcome Bonus

#4
Chase

Chase Freedom Flex®

Chase Freedom Flex® card
Earns on Dining & Restaurants
3x
Annual Fee
$0
Points value
2.05¢/pt
Effective value
6.1%

#5
Chase

Chase Freedom Unlimited®

Chase Freedom Unlimited® card
Earns on Dining & Restaurants
3x
Annual Fee
$0
Points value
2.05¢/pt
Effective value
6.1%

#6
Chase

Chase Sapphire Preferred® Credit Card

Chase Sapphire Preferred® Credit Card card
Earns on Dining & Restaurants
3x
Annual Fee
$95
Points value
2.05¢/pt
Effective value
6.1%
Total Credits
$496/yr

Annual Hotel Credit • TSA PreCheck/Global Entry • Apple TV • DoorDash Credit

#7
Chase

Chase Sapphire Reserve® Credit Card

Chase Sapphire Reserve® Credit Card card
Earns on Dining & Restaurants
3x
Annual Fee
$795
Points value
2.05¢/pt
Effective value
6.1%
Total Credits
$3,348/yr

The Edit Credit • Annual Travel Credit • Dining Credit • Entertainment Credit • Select Hotels Credit • The Shops Credit • TSA PreCheck/Global Entry • DoorDash Credit • Apple TV + Apple Music • Peloton Credit • Lyft Credit • Southwest Airlines Credit

#8
American Express

American Express® Green Card

American Express® Green Card card
Earns on Dining & Restaurants
3x
Annual Fee
$150
Points value
2¢/pt
Effective value
6%
Total Credits
$209/yr

CLEAR Plus Credit

#9
Citi

Citi Strata Elite℠ Card

Citi Strata Elite℠ Card card
Earns on Dining & Restaurants
3x
Annual Fee
$595
Points value
1.9¢/pt
Effective value
5.7%
Total Credits
$820/yr

Annual Hotel Benefit • Annual Splurge Credit • Blacklane Credit • TSA PreCheck/Global Entry

#10
Citi

Citi Strata Premier® Card

Citi Strata Premier® Card card
Earns on Dining & Restaurants
3x
Annual Fee
$95
Points value
1.9¢/pt
Effective value
5.7%
Total Credits
$100/yr

Annual Hotel Benefit

#11
Chase

Aeroplan® Card

Aeroplan® Card card
Earns on Dining & Restaurants
3x
Annual Fee
$95
Points value
1.4¢/pt
Effective value
4.2%
Total Credits
$160/yr

Global Entry/TSA PreCheck/NEXUS Credit • DoorDash Non-Restaurant Credit

#12
Chase

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card card
Earns on Dining & Restaurants
2x
Up to $25,000
Annual Fee
$0
Points value
2.05¢/pt
Effective value
4.1%
Total Credits
$240/yr

Instacart Business Credit

#13
U.S. Bank

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank Altitude® Go Visa Signature® Card card
Earns on Dining & Restaurants
4x
Up to $2,000
Annual Fee
$0
Effective value
4x cash
Total Credits
$15/yr

Streaming Credit

#14
Citi

Citi Strata℠ Card

Citi Strata℠ Card card
Earns on Dining & Restaurants
2x
Annual Fee
$0
Points value
1.9¢/pt
Effective value
3.8%

#15
American Express

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card card
Earns on Dining & Restaurants
3x
Annual Fee
$350
Points value
1.25¢/pt
Effective value
3.8%
Total Credits
$510/yr

Uber One Credit • Ride-Sharing Credit • Delta Stays Credit • Resy Credit

#16
American Express

Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card card
Earns on Dining & Restaurants
7x
Annual Fee
$550
Points value
0.5¢/pt
Effective value
3.5%
Total Credits
$909/yr

Hilton Resort Credit • Flight Credit • CLEAR Plus Credit • Waldorf Astoria & Conrad Property Credit

#17
Citi

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® card
Earns on Dining & Restaurants
2x
Annual Fee
$99
Points value
1.7¢/pt
Effective value
3.4%
Total Credits
$350/yr

Turo Credit • Inflight Purchase Credit • Splurge Credit • TSA PreCheck/Global Entry

#18
Chase

World of Hyatt Credit Card

World of Hyatt Credit Card card
Earns on Dining & Restaurants
2x
Annual Fee
$95
Points value
1.7¢/pt
Effective value
3.4%

#19
American Express

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card card
Earns on Dining & Restaurants
6x
Annual Fee
$150
Points value
0.5¢/pt
Effective value
3%
Total Credits
$200/yr

Hilton Credit

#20
Bank of America

Atmos™ Rewards Summit Visa Infinite® Credit Card

Atmos™ Rewards Summit Visa Infinite® Credit Card card
Earns on Dining & Restaurants
3x
Annual Fee
$395
Points value
1¢/pt
Effective value
3%

#21
Capital One

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card card
Earns on Dining & Restaurants
3%
Annual Fee
$0
Effective value
3% cash

#22
Synchrony Bank

CareCredit Rewards Mastercard®

CareCredit Rewards Mastercard® card
Earns on Dining & Restaurants
3x
Annual Fee
$0
Effective value
3x cash

#23
Citi

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi card
Earns on Dining & Restaurants
3x
Annual Fee
$0
Effective value
3x cash

#24
City National Bank

Crystal Visa Infinite®

Crystal Visa Infinite® card
Earns on Dining & Restaurants
3x
Annual Fee
$400
Effective value
3x cash
Total Credits
$470/yr

Airline Incidental Credit • Global Entry Credit

#25
FAIRWINDS Credit Union

FAIRWINDS Visa Signature® Credit Card

FAIRWINDS Visa Signature® Credit Card card
Earns on Dining & Restaurants
3x
Annual Fee
$95
Effective value
3x cash

#26
Mission Lane

Mission Lane Gold Line Visa®

Mission Lane Gold Line Visa® card
Earns on Dining & Restaurants
3x
Annual Fee
$0
Effective value
3x cash

#27
U.S. Bank

U.S. Bank Altitude® Reserve Visa Infinite® Card

U.S. Bank Altitude® Reserve Visa Infinite® Card card
Earns on Dining & Restaurants
3x
Annual Fee
$400
Effective value
3x cash
Total Credits
$445/yr

Travel Credit • TSA PreCheck/Global Entry

#28
Wells Fargo

Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card card
Earns on Dining & Restaurants
3x
Annual Fee
$95
Effective value
3x cash
Total Credits
$50/yr

Airline Credit

#29
Wells Fargo

Wells Fargo Autograph® Card

Wells Fargo Autograph® Card card
Earns on Dining & Restaurants
3x
Annual Fee
$0
Effective value
3x cash

#30
Chase

United Club℠ Card

United Club℠ Card card
Earns on Dining & Restaurants
2x
Annual Fee
$695
Points value
1.5¢/pt
Effective value
3%
Total Credits
$1,004/yr

Global Entry/TSA PreCheck/NEXUS Credit • Rideshare Credit • Renowned Hotels Credit • Avis/Budget Credit • JSX Flight Credit • Instacart Credit

#31
Chase

United Quest℠ Card

United Quest℠ Card card
Earns on Dining & Restaurants
2x
Annual Fee
$350
Points value
1.5¢/pt
Effective value
3%
Total Credits
$856/yr

United Travel Bank Credit • Rideshare Credit • Renowned Hotels Credit • Avis/Budget Credit • JSX Flight Credit • Instacart Credit

#32
Chase

United℠ Business Card

United℠ Business Card card
Earns on Dining & Restaurants
2x
Annual Fee
$150
Points value
1.5¢/pt
Effective value
3%
Total Credits
$616/yr

United Travel Credit • Rideshare Credit • United Hotels Credit • FareLock Credit • Avis/Budget Credit • JSX Flight Credit • Instacart Credit

#33
Chase

United℠ Explorer Card

United℠ Explorer Card card
Earns on Dining & Restaurants
2x
Annual Fee
$150
Points value
1.5¢/pt
Effective value
3%
Total Credits
$550/yr

TSA PreCheck/Global Entry/NEXUS • United Hotels Credit • Rideshare Credit • Avis/Budget Credit • JSX Flight Credit • Instacart Credit

#34
American Express

Marriott Bonvoy Bevy™ American Express® Card

Marriott Bonvoy Bevy™ American Express® Card card
Earns on Dining & Restaurants
4x
Up to $15,000
Annual Fee
$250
Points value
0.7¢/pt
Effective value
2.8%

#35
Chase

Marriott Bonvoy Bountiful® Credit Card

Marriott Bonvoy Bountiful® Credit Card card
Earns on Dining & Restaurants
4x
Up to $15,000
Annual Fee
$250
Points value
0.7¢/pt
Effective value
2.8%

#36
Barclays

JetBlue Business Card

JetBlue Business Card card
Earns on Dining & Restaurants
2x
Annual Fee
$99
Points value
1.35¢/pt
Effective value
2.7%
Total Credits
$100/yr

JetBlue Vacations Credit

#37
Barclays

JetBlue Plus Card

JetBlue Plus Card card
Earns on Dining & Restaurants
2x
Annual Fee
$99
Points value
1.35¢/pt
Effective value
2.7%
Total Credits
$100/yr

JetBlue Vacations Credit

#38
Barclays

JetBlue Premier Card

JetBlue Premier Card card
Earns on Dining & Restaurants
2x
Annual Fee
$499
Points value
1.35¢/pt
Effective value
2.7%
Total Credits
$420/yr

TrueBlue Travel Credit • Global Entry / TSA PreCheck Credit

#39
American Express

Hilton Honors American Express Business Card

Hilton Honors American Express Business Card card
Earns on Dining & Restaurants
5x
Up to $100,000
Annual Fee
$195
Points value
0.5¢/pt
Effective value
2.5%
Total Credits
$240/yr

Hilton Credit

#40
American Express

Hilton Honors American Express Card

Hilton Honors American Express Card card
Earns on Dining & Restaurants
5x
Annual Fee
$0
Points value
0.5¢/pt
Effective value
2.5%

#41
Chase

IHG One Rewards Premier Business Credit Card

IHG One Rewards Premier Business Credit Card card
Earns on Dining & Restaurants
5x
Annual Fee
$99
Points value
0.5¢/pt
Effective value
2.5%
Total Credits
$170/yr

United TravelBank Credit • TSA PreCheck/Global Entry/NEXUS

#42
Chase

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card card
Earns on Dining & Restaurants
5x
Annual Fee
$99
Points value
0.5¢/pt
Effective value
2.5%
Total Credits
$170/yr

TSA PreCheck/Global Entry/NEXUS • United TravelBank Credit

#43
American Express

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card card
Earns on Dining & Restaurants
2x
Annual Fee
$150
Points value
1.25¢/pt
Effective value
2.5%
Total Credits
$420/yr

Uber One Credit • Delta Flight Credit • Delta Stays Credit

#44
American Express

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card card
Earns on Dining & Restaurants
2x
Annual Fee
$150
Points value
1.25¢/pt
Effective value
2.5%
Total Credits
$590/yr

Delta Stays Credit • Delta Flight Credit • Uber One Credit • Ride-Sharing Credit

#45
Chase

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card card
Earns on Dining & Restaurants
3x
Up to $6,000
Annual Fee
$95
Points value
0.7¢/pt
Effective value
2.1%
Total Credits
$100/yr

Airline Credit

#46
American Express

Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card card
Earns on Dining & Restaurants
3x
Annual Fee
$650
Points value
0.7¢/pt
Effective value
2.1%
Total Credits
$520/yr

Dining Credit • Marriott Bonvoy Property Credit • TSA PreCheck/Global Entry

#47
Chase

The Ritz-Carlton™ Credit Card

The Ritz-Carlton™ Credit Card card
Earns on Dining & Restaurants
3x
Annual Fee
$450
Points value
0.7¢/pt
Effective value
2.1%
Total Credits
$300/yr

Airline Incidental Credit

#48
Chase

Amazon Visa

Amazon Visa card
Earns on Dining & Restaurants
2x
Annual Fee
$0
Effective value
2x cash

#49
First National Bank of Omaha

Amtrak Guest Rewards® Mastercard®

Amtrak Guest Rewards® Mastercard® card
Earns on Dining & Restaurants
2x
Annual Fee
$0
Effective value
2x cash

#50
First National Bank of Omaha

Amtrak Guest Rewards® Preferred Mastercard®

Amtrak Guest Rewards® Preferred Mastercard® card
Earns on Dining & Restaurants
2x
Annual Fee
$99
Effective value
2x cash

#51
Bank of America

Bank of America® Premium Rewards® Credit Card

Bank of America® Premium Rewards® Credit Card card
Earns on Dining & Restaurants
2%
Annual Fee
$95
Effective value
2% cash
Total Credits
$200/yr

Airline Incidental Credit • TSA PreCheck/Global Entry

#52
Bank of America

Bank of America® Premium Rewards® Elite Credit Card

Bank of America® Premium Rewards® Elite Credit Card card
Earns on Dining & Restaurants
2%
Annual Fee
$550
Effective value
2% cash
Total Credits
$570/yr

Airline Incidental Credit • Lifestyle Credit • TSA PreCheck/Global Entry

#53
American Express

Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Blue American Express Card card
Earns on Dining & Restaurants
2x
Annual Fee
$0
Effective value
2x cash

#54
Discover

Discover it® Chrome Gas & Restaurant Credit Card

Discover it® Chrome Gas & Restaurant Credit Card card
Earns on Dining & Restaurants
2%
Up to $1,000
Annual Fee
$0
Effective value
2% cash

#55
Chase

Disney® Inspire Visa® Card

Disney® Inspire Visa® Card card
Earns on Dining & Restaurants
2x
Annual Fee
$149
Effective value
2x cash
Total Credits
$420/yr

Disney Resort Stay Credit • Disney Park Ticket Credit • Disney Streaming Credit

#56
Chase

Disney® Premier Visa® Card

Disney® Premier Visa® Card card
Earns on Dining & Restaurants
2x
Annual Fee
$49
Effective value
2x cash

#57
Chase

Prime Visa

Prime Visa card
Earns on Dining & Restaurants
2x
Annual Fee
$0
Effective value
2x cash

#58
Chase

Southwest Rapid Rewards® Performance Business Credit Card

Southwest Rapid Rewards® Performance Business Credit Card card
Earns on Dining & Restaurants
2x
Annual Fee
$299
Effective value
2x cash
Total Credits
$210/yr

TSA PreCheck/Global Entry • Anniversary Bonus Points

#59
Chase

Southwest Rapid Rewards® Premier Business Credit Card

Southwest Rapid Rewards® Premier Business Credit Card card
Earns on Dining & Restaurants
2x
Up to $8,000
Annual Fee
$149
Effective value
2x cash
Total Credits
$60/yr

Anniversary Bonus Points

#60
Chase

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card card
Earns on Dining & Restaurants
2x
Up to $8,000
Annual Fee
$149
Effective value
2x cash
Total Credits
$60/yr

Anniversary Bonus Points

#61
Chase

Southwest Rapid Rewards® Priority Credit Card

Southwest Rapid Rewards® Priority Credit Card card
Earns on Dining & Restaurants
2x
Annual Fee
$229
Effective value
2x cash
Total Credits
$75/yr

Anniversary Bonus Points

#62
TD Bank

Target Mastercard®

Target Mastercard® card
Earns on Dining & Restaurants
2x
Annual Fee
$0
Effective value
2x cash

#63
Chase

IHG One Rewards Traveler Credit Card

IHG One Rewards Traveler Credit Card card
Earns on Dining & Restaurants
3x
Annual Fee
$0
Points value
0.5¢/pt
Effective value
1.5%

#64
American Express

The Platinum Card®

The Platinum Card® card
Annual Fee
$895
Points value
2¢/pt
Effective value
0%
Total Credits
$3,184/yr

Hotel Credit (FHR/THC) • Resy Credit • Digital Entertainment Credit • Equinox Credit • lululemon Credit • Uber Cash • Airline Fee Credit • Oura Ring Credit • Walmart+ Credit • Uber One Credit • TSA PreCheck/Global Entry • CLEAR+ Credit • Saks Fifth Avenue Credit

#65
American Express

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card card
Annual Fee
$650
Points value
1.25¢/pt
Effective value
0%
Total Credits
$800/yr

Delta Stays Credit • Resy Credit • Uber One Credit • Ride-Sharing Credit • Global Entry / TSA PreCheck Credit