CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
American Express cards ranked by earn rate on dining spending.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Amex
American Express cards ranked by earn rate on dining spending.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Amex
American Express cards ranked by earn rate on dining spending.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Amex
Amex
First Electronic Bank
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| American Express Gold CardAmex | 4x Membership Rewards | 7.2¢/$ | $325 | $36 | amex |
| American Express Green CardAmex | 3x Membership Rewards | 5.4¢/$ | $150 | $18.90 | amex |
| Rakuten American Express CardFirst Electronic Bank | 2% cash back | 3.1¢/$ | $0 | — | amex |
| Macys American Express CardCiti | 3x points | 3.0¢/$ | $0 | — | amex |
| Navy Federal More Rewards American Express®Navy Federal | 3x points | 3.0¢/$ | $0 | — | amex |
| Hilton Honors American Express Aspire CardAmex | 7x Hilton Honors | 3.5¢/$ | $550 | $160.90 | amex |
| Hilton Honors American Express Surpass CardAmex | 6x Hilton Honors | 3.0¢/$ | $150 | $100 | amex |
| Marriott Bonvoy Bevy American Express CardAmex | 4x Marriott Bonvoy | 2.8¢/$ | $250 | — | amex |
| Hilton Honors American Express CardAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
| Hilton HonorsAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
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First Electronic Bank
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| American Express Gold CardAmex | 4x Membership Rewards | 7.2¢/$ | $325 | $36 | amex |
| American Express Green CardAmex | 3x Membership Rewards | 5.4¢/$ | $150 | $18.90 | amex |
| Rakuten American Express CardFirst Electronic Bank | 2% cash back | 3.1¢/$ | $0 | — | amex |
| Macys American Express CardCiti | 3x points | 3.0¢/$ | $0 | — | amex |
| Navy Federal More Rewards American Express®Navy Federal | 3x points | 3.0¢/$ | $0 | — | amex |
| Hilton Honors American Express Aspire CardAmex | 7x Hilton Honors | 3.5¢/$ | $550 | $160.90 | amex |
| Hilton Honors American Express Surpass CardAmex | 6x Hilton Honors | 3.0¢/$ | $150 | $100 | amex |
| Marriott Bonvoy Bevy American Express CardAmex | 4x Marriott Bonvoy | 2.8¢/$ | $250 | — | amex |
| Hilton Honors American Express CardAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
| Hilton HonorsAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Amex
First Electronic Bank
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| American Express Gold CardAmex | 4x Membership Rewards | 7.2¢/$ | $325 | $36 | amex |
| American Express Green CardAmex | 3x Membership Rewards | 5.4¢/$ | $150 | $18.90 | amex |
| Rakuten American Express CardFirst Electronic Bank | 2% cash back | 3.1¢/$ | $0 | — | amex |
| Macys American Express CardCiti | 3x points | 3.0¢/$ | $0 | — | amex |
| Navy Federal More Rewards American Express®Navy Federal | 3x points | 3.0¢/$ | $0 | — | amex |
| Hilton Honors American Express Aspire CardAmex | 7x Hilton Honors | 3.5¢/$ | $550 | $160.90 | amex |
| Hilton Honors American Express Surpass CardAmex | 6x Hilton Honors | 3.0¢/$ | $150 | $100 | amex |
| Marriott Bonvoy Bevy American Express CardAmex | 4x Marriott Bonvoy | 2.8¢/$ | $250 | — | amex |
| Hilton Honors American Express CardAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
| Hilton HonorsAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →