Credit Cards with Dining Credits (2026)
Cards offering dining credits, ranked by estimated annual value.
Top 3 Picks
All 35 Cards Compared
| # | Card | Benefit | Value | Annual Fee |
|---|---|---|---|---|
| 1 | The Platinum Card from American Express | Resy Restaurant Credit | $200/yr | $895/yr |
| 2 | Chase Sapphire Reserve | Exclusive Tables Dining Credit | $180/yr | $795/yr |
| 3 | Marriott Bonvoy Brilliant American Express Card | $300 Annual Dining Credit | $150/yr | $650/yr |
| 4 | Delta SkyMiles Reserve American Express Card | $240 Resy Credit | $120/yr | $650/yr |
| 5 | Delta SkyMiles Reserve Business American Express Card | $240 Resy Credit | $120/yr | $650/yr |
| 6 | American Express Gold Card | $120 Dining Credit | $60/yr | $325/yr |
| 7 | Delta SkyMiles Platinum American Express Card | $120 Resy Credit | $60/yr | $350/yr |
| 8 | Delta SkyMiles Platinum Business American Express Card | $120 Resy Credit | $60/yr | $350/yr |
| 9 | Mastercard® Black | $100 Annual Dining Credit | $60/yr | $699/yr |
| 10 | United Gateway Card | 0% Intro APR for 12 Months on Purchases | $60/yr | No fee |
| 11 | Amtrak Guest Rewards® Preferred Mastercard® | 20% Onboard Food & Beverage Rebate | $40/yr | $99/yr |
| 12 | IHG One Rewards Premier Credit Card | Complimentary DashPass Membership | $30/yr | $150/yr |
| 13 | IHG One Rewards Credit Card | Complimentary DashPass Membership | $30/yr | No fee |
| 14 | Marriott Bonvoy Bold Credit Card | Complimentary DashPass Membership | $30/yr | No fee |
| 15 | Marriott Bonvoy Boundless Credit Card | Complimentary DashPass Membership | $30/yr | $95/yr |
| 16 | The Business Platinum Card from American Express | Global Dining Access by Resy | $15/yr | $895/yr |
| 17 | Hilton Honors American Express Aspire Card | Global Dining Access by Resy | $15/yr | $550/yr |
| 18 | United Explorer Card | Premier upgrades on award tickets | $5/yr | $150/yr |
| 19 | United Quest Card | Premier upgrades on award tickets | $5/yr | $350/yr |
| 20 | Capital One Venture Rewards Credit Card | Capital One Dining Access | $15/yr | $95/yr |
| 21 | Atmos Rewards Summit Visa Infinite Credit Card | Preferred boarding | $5/yr | $395/yr |
| 22 | Capital One Savor Cash Rewards Credit Card | Capital One Dining | $5/yr | No fee |
| 23 | Chase Sapphire Reserve for Business | Sapphire Reserve Exclusive Tables | $5/yr | $795/yr |
| 24 | Disney® Inspire Visa® Card | 10% off Select Dining Locations | $5/yr | $149/yr |
| 25 | Capital One Quicksilver Cash Rewards Credit Card | Capital One Dining | Included | No fee |
| 26 | Capital One Quicksilver Student Cash Rewards Credit Card | Capital One Dining | Included | No fee |
| 27 | Savor Rewards for Good Credit | Capital One Dining | Included | No fee |
| 28 | Capital One VentureOne Rewards Credit Card | Capital One Dining | Included | No fee |
| 29 | Fidelity Rewards Visa Signature Card | OpenTable Visa Dining Collection | Included | No fee |
| 30 | SavorOne Rewards from Capital One | 50% Off at Capital One Cafes | Included | $39/yr |
| 31 | Capital One Venture X Rewards Credit Card | Exclusive Dining Experiences | Included | $395/yr |
| 32 | The AARP® Travel Rewards Mastercard® | 2x Cash Back on Dining | $40/yr | No fee |
| 33 | Quicksilver Rewards for Good Credit | 50% Off Capital One Café Beverages | $30/yr | No fee |
| 34 | Disney Premier Visa Card | 10% Off Disney Parks Dining | $40/yr | $49/yr |
| 35 | Target Circle Card | 5% Off at Starbucks | $3/yr | No fee |