Best Credit Cards for Dining 2026

Earn bonus rewards on every restaurant visit. 23 cards with dining bonuses worth $18,810+ in sign-up value.

Quick Picks

Best Points Value
Amex Gold Card
Best No Annual Fee
Capital One SavorOne
Best Chase Ecosystem
Chase Sapphire Preferred
American Express

American Express Business Gold

200,000 points
~$2,400 value
Spend Required$15,000 in 3 months
Annual Fee$375
Base Rewards1x on all purchases
4x on top 2 categories each month (up to $150k/yr)Categories: airfare, advertising, gas, shipping, computing, restaurants
Apply NowDetails
Chase

Chase Sapphire Reserve

125,000 points
~$1,875 value
Spend Required$4,000 in 3 months
Annual Fee$550
Base Rewards1x on all purchases
3x dining3x travel10x hotels via portal+1 more
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American Express

Delta SkyMiles Platinum Card

100,000 miles
~$1,100 value
Spend Required$4,000 in 6 months
Annual Fee$350
Base Rewards1x on all purchases
3x Delta2x restaurants2x groceries+1 more
Apply NowDetails
Chase

Chase Sapphire Preferred

70,000 points
~$1,050 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x dining3x streaming2x travel+1 more
Apply NowDetails
Chase

World of Hyatt Credit Card

30,000 points
~$1,000 value
Spend Required$15,000 in 6 months
Annual Fee$95
Base Rewards1x on all purchases
4x Hyatt2x restaurants2x airline tickets+2 more
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Barclays

JetBlue Plus Card

80,000 points
~$960 value
Spend Required$1,000 in 3 months
Annual Fee$99
Base Rewards1x on all purchases
6x JetBlue2x restaurants2x groceries
Apply NowDetails
Citi

Citi AAdvantage Platinum Select

80,000 miles
~$960 value
Spend Required$2,500 in 3 months
Annual Fee$99(waived yr 1)
Base Rewards1x on all purchases
2x American Airlines2x restaurants2x gas+1 more
Apply NowDetails
Wells Fargo

Wells Fargo Autograph Card

60,000 points
~$900 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x restaurants3x travel3x gas+2 more
Apply NowDetails
Wells Fargo

Wells Fargo Autograph Journey Card

60,000 points
~$900 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
5x hotels4x airlines3x restaurants+1 more
Apply NowDetails
American Express

Hilton Honors Aspire Card

175,000 points
~$875 value
Spend Required$6,000 in 6 months
Annual Fee$550
Base Rewards3x on all purchases
14x Hilton7x restaurants7x flights booked directly
Apply NowDetails
American Express

Delta SkyMiles Gold Card

70,000 miles
~$770 value
Spend Required$3,000 in 6 months
Annual Fee$0(waived yr 1)
Base Rewards1x on all purchases
2x Delta2x restaurants2x groceries
Apply NowDetails
Chase

Ink Business Cash

$750
~$750 value
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% office supply stores (up to $25k/yr)5% internet/cable/phone (up to $25k/yr)2% gas (up to $25k/yr)+1 more
Apply NowDetails
Chase

United Explorer Card

60,000 miles
~$720 value
Spend Required$3,000 in 3 months
Annual Fee$0(waived yr 1)
Base Rewards1x on all purchases
2x United2x dining2x hotels
Apply NowDetails
American Express

American Express Gold Card

60,000 points
~$720 value
Spend Required$6,000 in 6 months
Annual Fee$250
Base Rewards1x on all purchases
4x restaurants4x groceries (up to $25k/yr)3x flights
Apply NowDetails
Chase

Marriott Bonvoy Boundless

85,000 points
~$680 value
Spend Required$3,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
6x Marriott3x dining3x groceries
Apply NowDetails
American Express

Hilton Honors Surpass Card

130,000 points
~$650 value
Spend Required$3,000 in 6 months
Annual Fee$150
Base Rewards3x on all purchases
12x Hilton6x restaurants6x groceries+1 more
Apply NowDetails
Bank of America

Bank of America Premium Rewards

60,000 points
~$600 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1.5x on all purchases
2x travel2x dining
Apply NowDetails
Citi

Citi Premier Card

60,000 points
~$600 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x restaurants3x supermarkets3x gas+2 more
Apply NowDetails
American Express

Hilton Honors Card

80,000 points
~$400 value
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards3x on all purchases
7x Hilton5x restaurants5x groceries+1 more
Apply NowDetails
US Bank

US Bank Altitude Connect

20,000 points
~$300 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
5x hotels/car rentals via Travel Center4x travel and gas/EV charging (up to $1k/quarter)2x dining+2 more
Apply NowDetails
Chase

Chase Freedom Unlimited

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
3% dining3% drugstores5% travel via Chase portal
Apply NowDetails
Capital One

Capital One SavorOne

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% dining3% entertainment3% streaming+2 more
Apply NowDetails
Chase

Chase Freedom Flex

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly)3% dining3% drugstores
Apply NowDetails

Frequently Asked Questions

Which credit card gives the most rewards on dining?

The American Express Gold Card earns 4x Membership Rewards points at restaurants worldwide, making it one of the best dining cards. For cash back, the Capital One SavorOne earns 3% at restaurants with no annual fee.

Do food delivery apps count as dining?

It depends on the card and the app. Many cards classify DoorDash, Uber Eats, and Grubhub orders as dining. However, some apps may code as online shopping instead. Check your card's merchant category rules.

Is a dining rewards card worth it if I don't eat out often?

If you spend less than $200/month on dining, a flat-rate card like the Citi Double Cash (2% on everything) may earn more overall. Dining cards are best for people who regularly spend $300+ per month at restaurants.