Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Discover 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
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Dining, after spend caps. Order can differ from that column because ranking adds the adjustments above.
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Side-by-side view of the ranked picks.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Discover it® MilesDiscover | 1.5x Cashback | 1.5¢/$ | $0 | — | discover |
| Discover it® Student ChromeDiscover | 2% cash back | 2.0¢/$ | $0 | — | discover |
| Discover it® ChromeDiscover | 2% cash back | 2.0¢/$ | $0 | — | discover |
| Discover it® Secured Credit CardDiscover | 1% cash back | 1.0¢/$ | $0 | — | discover |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →| Discover it Balance TransferDiscover | 1% cash back | 1.0¢/$ | $0 | — | discover |
| Discover it Cash BackDiscover | 1% cash back | 1.0¢/$ | $0 | — | discover |
| Discover it Student Cash BackDiscover | 1% cash back | 1.0¢/$ | $0 | — | discover |
