🍜 Best credit cards for dining
The best credit cards for restaurants and takeout, ranked by what heavy dining spend actually earns per year after the annual fee.
How this ranking works
Every card is scored by the same engine as our card finder quiz, using a fixed profile: $900/mo dining & restaurants · $425/mo groceries · $900/mo everything else, booking travel directly. Points are valued at conservative baselines, spending caps are applied, and the annual fee is subtracted. Prime Visa and Bilt Blue and Bilt Obsidian and Bilt Palladium need a membership or bill this profile doesn't assume (Amazon Prime, paying rent by card), so they aren't ranked here. Your own spending will rank these differently — the quiz personalizes it.
- 1The Platinum Card® from American ExpressAmerican Express · $895/yr fee
~$3,291/yr back at this profile → +$2,396 after the fee
1x dining & restaurants ≈ $108/yr1x groceries ≈ $51/yr$3,024/yr in credits - 2Chase Sapphire Reserve®Chase · $795/yr fee
~$2,871/yr back at this profile → +$2,076 after the fee
3x dining & restaurants ≈ $324/yr1x groceries ≈ $51/yr$2,388/yr in credits - 3Marriott Bonvoy Brilliant® American Express® CardAmerican Express · $650/yr fee
~$1,524/yr back at this profile → +$874 after the fee
3x dining & restaurants ≈ $259/yr2x groceries ≈ $82/yr$1,010/yr in credits - 4World of Hyatt Credit CardChase · $95/yr fee
~$945/yr back at this profile → +$850 after the fee
2x dining & restaurants ≈ $389/yr1x groceries ≈ $92/yr$270/yr in credits - 5American Express® Gold CardAmerican Express · $325/yr fee
~$1,168/yr back at this profile → +$843 after the fee
4x dining & restaurants ≈ $432/yr4x groceries ≈ $204/yr$424/yr in credits - 6IHG One Rewards Premier Credit CardChase · $99/yr fee
~$930/yr back at this profile → +$831 after the fee
5x dining & restaurants ≈ $324/yr3x groceries ≈ $92/yr$320/yr in credits - 7United℠ Explorer CardChase · $150/yr fee
~$910/yr back at this profile → +$760 after the fee
2x dining & restaurants ≈ $259/yr1x groceries ≈ $61/yr$460/yr in credits - 8Hilton Honors American Express Aspire CardAmerican Express · $550/yr fee
~$1,302/yr back at this profile → +$752 after the fee
7x dining & restaurants ≈ $302/yr3x groceries ≈ $61/yr$809/yr in credits - 9Chase Sapphire Preferred® CardChase · $95/yr fee
~$835/yr back at this profile → +$740 after the fee
3x dining & restaurants ≈ $324/yr3x groceries ≈ $153/yr$250/yr in credits - 10Citi Strata Elite℠ CardCiti · $595/yr fee
~$1,293/yr back at this profile → +$698 after the fee
3x dining & restaurants ≈ $324/yr1.5x groceries ≈ $77/yr$730/yr in credits
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18cards without structured earning data weren't ranked
Capital One VentureOne Rewards Credit Card, Wells Fargo Autograph® Card, Bank of America® Travel Rewards credit card, U.S. Bank Altitude® Connect Visa Signature® Card, Capital One Quicksilver Cash Rewards Credit Card, Bank of America® Customized Cash Rewards credit card, Bank of America® Unlimited Cash Rewards credit card, U.S. Bank Cash+® Visa Signature® Card, Costco Anywhere Visa® Card by Citi, Apple Card, PayPal Cashback Mastercard®, Target Circle™ Credit Card, Atmos™ Rewards Ascent Visa Signature® card (formerly Alaska Airlines Visa Signature®), Hilton Honors American Express Card, Ink Business Preferred® Credit Card, American Express® Business Gold Card, Capital One Spark Cash Plus, The Business Platinum Card® from American Express
Rankings based on your actual spending
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Estimates use conservative baseline point values and the disclosed spending profile — your results will differ. Card terms change often; verify with the issuer before applying. PerkSwipe is independent and not affiliated with any issuer. Nothing here is financial advice.