The best credit cards for dining.
Top US credit cards ranked by effective return on dining — multiplier × point value. Cards earning a baseline 1% return (or less) are excluded as uninteresting.
- 1
American Express Gold Card
American Express · $325/yr · Amex Membership Rewards
Up to $50K/yr
Effective
8.00%
4x · 2.00¢/pt
- 2
American Express Business Gold Card
American Express · $375/yr · Amex Membership Rewards
Top 2 spend categories auto-selected each cycle; up to $150K/yr
Effective
8.00%
4x · 2.00¢/pt
- 3
Chase Sapphire Reserve
Chase · $795/yr · Chase Ultimate Rewards
Effective
6.00%
3x · 2.00¢/pt
- 4
Chase Sapphire Preferred
Chase · $95/yr · Chase Ultimate Rewards
Effective
6.00%
3x · 2.00¢/pt
- 5
American Express Green Card
American Express · $150/yr · Amex Membership Rewards
Effective
6.00%
3x · 2.00¢/pt
- 6
Bilt Obsidian Card
Wells Fargo · $95/yr · Bilt Rewards
3x on dining or grocery (cardholder's annual choice)
Effective
6.00%
3x · 2.00¢/pt
- 7
Bilt Palladium Card
Wells Fargo · $495/yr · Bilt Rewards
Effective
6.00%
3x · 2.00¢/pt
- 8
Citi Custom Cash Card
Citi · $0/yr · Citi ThankYou Points
5% on your top eligible spend category each cycle (up to $500/cycle); auto-selected from dining, gas, groceries, travel, etc.
Effective
5.00%
5x · 1.00¢/pt
- 9
Discover it Cash Back
Discover · $0/yr · Cash Back
5% rotating quarterly categories (up to $1,500/qtr); Cashback Match doubles first year
Effective
5.00%
5x · 1.00¢/pt
- 10
Citi Strata Premier Card
Citi · $95/yr · Citi ThankYou Points
Effective
4.80%
3x · 1.60¢/pt
- 11
Aeroplan Credit Card
Chase · $95/yr · Air Canada Aeroplan
Effective
4.50%
3x · 1.50¢/pt
- 12
U.S. Bank Altitude Reserve Visa Infinite Card
U.S. Bank · $400/yr · US Bank Altitude Points
Via mobile wallet
Effective
4.50%
3x · 1.50¢/pt
- 13
Capital One Savor Cash Rewards Credit Card
Capital One · $0/yr · Cash Back
Effective
4.00%
4x · 1.00¢/pt
- 14
U.S. Bank Altitude Go Visa Signature Card
U.S. Bank · $0/yr · US Bank Altitude Points
Effective
4.00%
4x · 1.00¢/pt
- 15
United Quest Card
Chase · $350/yr · United MileagePlus
Effective
3.90%
3x · 1.30¢/pt
- 16
Wyndham Rewards Earner Plus Card
Barclays · $75/yr · Wyndham Rewards
Effective
3.60%
4x · 0.90¢/pt
- 17
Hilton Honors American Express Aspire Card
American Express · $550/yr · Hilton Honors
Effective
3.50%
7x · 0.50¢/pt
- 18
World of Hyatt Credit Card
Chase · $95/yr · World of Hyatt
Effective
3.40%
2x · 1.70¢/pt
- 19
Marriott Bonvoy Bountiful Credit Card
Chase · $250/yr · Marriott Bonvoy
First $15K/yr combined with groceries
Effective
3.20%
4x · 0.80¢/pt
- 20
Marriott Bonvoy Bevy American Express Card
American Express · $250/yr · Marriott Bonvoy
Up to $15K/yr combined with groceries
Effective
3.20%
4x · 0.80¢/pt
- 21
Chase Freedom Unlimited
Chase · $0/yr · Chase Ultimate Rewards
Effective
3.00%
3x · 1.00¢/pt
- 22
Chase Freedom Flex
Chase · $0/yr · Chase Ultimate Rewards
Effective
3.00%
3x · 1.00¢/pt
- 23
Hilton Honors American Express Surpass Card
American Express · $150/yr · Hilton Honors
Effective
3.00%
6x · 0.50¢/pt
- 24
Costco Anywhere Visa Card by Citi
Citi · $0/yr · Cash Back
3% on restaurants and eligible travel
Effective
3.00%
3x · 1.00¢/pt
- 25
Capital One SavorOne Cash Rewards Credit Card
Capital One · $0/yr · Cash Back
Effective
3.00%
3x · 1.00¢/pt
- 26
Wells Fargo Autograph Card
Wells Fargo · $0/yr · Wells Fargo Rewards
Effective
3.00%
3x · 1.00¢/pt
- 27
Wells Fargo Autograph Journey Card
Wells Fargo · $95/yr · Wells Fargo Rewards
Effective
3.00%
3x · 1.00¢/pt
- 28
Citi / AAdvantage Platinum Select World Elite Mastercard
Citi · $99/yr · AAdvantage Miles
Effective
2.80%
2x · 1.40¢/pt
- 29
United Explorer Card
Chase · $150/yr · United MileagePlus
Effective
2.60%
2x · 1.30¢/pt
- 30
United Club Infinite Card
Chase · $695/yr · United MileagePlus
Effective
2.60%
2x · 1.30¢/pt
Card Coach
Plan your next card move.
Coach reasons through 7 issuer rules — Chase 5/24, Amex once-per-lifetime, Citi 8/65/95 — to suggest your next application without burning eligibility.
Ask CoachGet started
Add your cards in 30 seconds.
Connect via Plaid or pick from 90+ cards. Once added, every search shows which card earns most for that specific booking.
Add cards