Best credit cards for dining
Ranked by what each card returns on dining alone, using Miles' default point valuations. The right card for you depends on the rest of your wallet: a high dining rate is worth less than it looks if you would never use the rest of the card.
Verdict:Dining
Freedom Flex
7X cashback7% return
No annual fee
capped at $1,500/quarter, then 3X · Up to $1.5K/qtr
The rest
| Card | Return | Fee |
|---|---|---|
| Amex Gold4X American Express Membership Rewards capped at $50,000/year, then 1X · Up to $50K/yr | 6% | $325 |
| Business GoldBusiness4X American Express Membership Rewards capped at $150,000/year, then 1X · 4X only if dining is one of your top 2 spending categories this billing cycle | 6% | $375 |
| Amtrak Guest Rewards Mastercard2X Amtrak Guest Rewards | 5.12% | $0 |
| Amtrak Guest Rewards Preferred Mastercard2X Amtrak Guest Rewards | 5.12% | $99 |
| Discover it Cash Back5% Cash Back capped at $1,500/quarter, then 1% · Up to $1.5K/qtr | 5% | $0 |
| Bilt Obsidian3X Bilt Rewards Applies if you choose Dining as your 3X Bonus Category | 4.65% | $95 |
| Alaska Atmos Rewards Summit Visa Infinite3X Alaska Atmos Rewards | 4.5% | $395 |
| Sapphire Preferred3X Chase Ultimate Rewards | 4.5% | $95 |
| Sapphire Reserve3X Chase Ultimate Rewards | 4.5% | $795 |
| Strata Elite3X Citi ThankYou Rewards | 4.5% | $595 |
| Strata Premier3X Citi ThankYou Rewards | 4.5% | $95 |
| Aeroplan Card3X Air Canada Aeroplan | 4.2% | $195 |
| Autograph3X Wells Fargo Rewards | 4.2% | $0 |
| Autograph Journey3X Wells Fargo Rewards | 4.2% | $95 |
Showing the top 15 of 147 cards that return above 1.5% on dining. 103 of them earn a dining bonus. Browse them all →