Best cards for Dining

Restaurants, takeout and food delivery.

Last updated Jun 18, 2026

1. 1CICiti
   Citi Custom Cash

   5% backchoose-your-category

   if you select dining · Up to $500/billing cycle, then 1%

   5.0%value back ⓘ
   Apply
2. 2AEAmerican Express
   Amex Cobalt

   5× points · at 1.0¢/ptcategory bonus

   5.0%value back ⓘ
   Apply
3. 3CHChase
   Aeroplan

   3× points · at 1.5¢/ptcategory bonus

   4.5%value back ⓘ
   Apply
4. 4BABank of America
   Atmos Summit Visa Infinite

   3× miles · at 1.4¢/ptcategory bonus

   4.2%value back ⓘ
   Apply
5. 5CHChase
   Sapphire Reserve Business

   4× points · at 1.0¢/ptcategory bonus

   4.0%value back ⓘ
   Apply
6. 6AEAmerican Express
   Amex Gold

   4× points · at 1.0¢/ptcategory bonus

   Up to $50K/year, then 1x

   4.0%value back ⓘ
   Apply
7. 7UBU.S. Bank
   U.S. Bank Altitude Go

   4× points · at 1.0¢/ptcategory bonus

   4.0%value back ⓘ
   Apply
8. 8BABarclays
   Wyndham Earner+

   4× points · at 1.0¢/ptcategory bonus

   4.0%value back ⓘ
   Apply
9. 9CHChase
   Sapphire Preferred

   3× points · at 1.3¢/ptcategory bonus

   3.8%value back ⓘ
   Apply
10. 10AEAmerican Express
    Hilton Aspire

    7× points · at 0.5¢/ptcategory bonus

    3.5%value back ⓘ
    Apply
11. 11CHChase
    World of Hyatt

    2× points · at 1.7¢/ptcategory bonus

    3.4%value back ⓘ
    Apply
12. 12AEAmerican Express
    Hilton Surpass

    6× points · at 0.5¢/ptcategory bonus

    3.0%value back ⓘ
    Apply

“Value back” = earn rate × the card's baseline point value (cpp) — a conservative, like-for-like estimate. Transferable points (Amex, Chase, Capital One) are often worth more than baseline. Category bonuses may be capped; see each card. All categories

How these numbers are calculated, and where every fact comes from: How we know this.