Updated May 2026
Best Credit Cards for Dining & Restaurants
Maximize every dollar at restaurants, delivery apps, and bars. These cards lead the market in dining reward rates.
Elevated Right Now
Best current opportunities in this category
These cards are offering above-typical welcome bonuses right now.
Rankings
Top 8 Best Credit Cards for Dining
Amex
Amex Gold
$325/yr
~$2,000 bonus
Welcome Offer
Recently increased100,000 Membership
Spend $8K in 6mo
The best dining and grocery card on the market
Chase
Sapphire Preferred
$95/yr
~$1,538 bonus
Welcome Offer
Highest since tracking started75,000 Ultimate
Spend $5K in 3mo
The gold standard starter travel card
Citi
Strata Premier
$95/yr
~$1,425 bonus
Welcome Offer
Highest since tracking started75,000 ThankYou
Spend $4K in 3mo
The best all-around earner in the Citi ecosystem
Chase
Sapphire Reserve
$795/yr
~$3,075 bonus
Welcome Offer
Highest since tracking started150,000 Ultimate
Spend $6K in 3mo
The ultimate Chase travel card for frequent flyers
Amex
Amex Green
$150/yr
~$800 bonus
Welcome Offer
40,000 Membership
Spend $3K in 6mo
Amex MR ecosystem
Amex
Amex Business Gold
$375/yr
~$4,000 bonus
Welcome Offer
200,000 Membership
Spend $15K in 3mo
Amex MR ecosystem
Amex
Bonvoy Brilliant
$650/yr
~$1,480 bonus
Welcome Offer
185,000 Marriott
Spend $6K in 6mo
The top card for Marriott Bonvoy loyalists
Amex
Delta Gold
$150/yr
~$840 bonus
Welcome Offer
70,000 Delta
Spend $2K in 6mo
The best entry card for Delta flyers — free bags pay the fee
Side-by-side
Quick Comparison
| Card | Annual Fee | Signup Bonus | Value |
|---|---|---|---|
| $325 | 100,000 Membership | $2,000 | |
Sapphire Preferred Chase | $95 | 75,000 Ultimate | $1,538 |
Strata Premier Citi | $95 | 75,000 ThankYou | $1,425 |
Sapphire Reserve Chase | $795 | 150,000 Ultimate | $3,075 |
Amex Green Amex | $150 | 40,000 Membership | $800 |
Bonus values are estimates. Always verify current offers directly with the issuer before applying.
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FAQ
Frequently Asked Questions
Which card earns the most on dining?
The Amex Gold Card earns 4× Membership Rewards at restaurants worldwide — the highest dining multiplier on any general travel card. Paired with the $120 dining credit and $120 Uber Cash, the effective annual fee is just $10 for heavy restaurant spenders.
Does Uber Eats count for dining rewards?
Most dining-category cards count delivery apps. Chase counts Uber Eats as dining (3× on Sapphire Preferred). Amex counts Grubhub and Seamless at 4× on Gold. Check your specific card terms for app-by-app eligibility.
CreditPoints may receive compensation when you are approved for a card through links on this page. Offers and card details are based on publicly available information and may change without notice. Rankings reflect editorial judgment based on first-year value estimates. Not affiliated with any card issuer.