🍽️ Best credit cards for dining
Ranked by effective rewards rate — factoring in point values, caps, and annual fees.187 cards compared.
Gold Card
American Express · $325.00/yr
Cap: $50000/annual
Sapphire Preferred
Chase · $95.00/yr
Strata Premier
Citi · $95.00/yr
Green Card
American Express · $150.00/yr
Sapphire Reserve
Chase · $795.00/yr
Savor
Capital One · No annual fee
SavorOne
Capital One · No annual fee
Amazon Prime Store Card
Synchrony · No annual fee
Custom Cash
Citi · No annual fee
Cap: $500/monthly
Hilton Honors Business
American Express · $175.00/yr
Altitude Reserve
U.S. Bank · $400.00/yr
Altitude Go
U.S. Bank · No annual fee
Showing top 12 of 187 cards
How to choose
The best card for dining depends on how much you spend in this category each year, whether you prefer cash back or transferable points, and whether the annual fee is worth the extra rewards.
Look at the effective rate — not just the headline multiplier. A 3x points card with 1¢ per point earns the same as a 3% cash-back card. Cards with caps earn the bonus rate only up to a spending threshold, then drop to the base rate.
Add your cards to PerkPro to see which one in your wallet actually earns the most on each dining purchase, with caps and bonus deadlines tracked automatically.