No-Annual-Fee Cards with Dining Credit
$0 annual fee cards that still offer dining credit.
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 this category. Order can differ from that column because ranking adds the adjustments above.
Top Pick
United Gateway Card
Chase
1x MileagePlus
1x × 1.0¢/pt = 1.0¢ per dollar
- +Est. $60/yr value — 0% Intro APR for 12 Months on Purchases
- +Up to 50,000 miles bonus in stages (~$400 value counts the first 40,000 miles)
- +No annual fee
VISA
1.0¢
per dollar
No annual fee
Welcome: Up to 50,000 miles
Runner-Up
IHG One Rewards Credit Card
Chase
2x IHG One Rewards
2x × 0.6¢/pt = 1.2¢ per dollar
- +Est. $30/yr value — Complimentary DashPass Membership
- +Est. $15/yr value — Instacart+ Membership & Credit
- +125,000 points bonus (~$750 value)
MASTERCARD
1.2¢
per dollar
No annual fee
Welcome: 125,000 points
Also Great
Chase Freedom Rise® Credit Card
Chase
1.5% cash back
- +Est. $30/yr value — $10 Off Quarterly DoorDash Non-Restaurant Orders
- +One-time benefit — 6 Months Complimentary DashPass
- +$25 statement credit bonus (~$25 value)
VISA
1.5¢
per dollar
No annual fee
Welcome: $25 statement credit
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| United Gateway CardChase | 1x MileagePlus | 1.0¢/$ | $0 | — | visa |
| IHG One Rewards Credit CardChase | 2x IHG One Rewards | 1.2¢/$ | $0 | — | mastercard |
| Chase Freedom Rise® Credit CardChase | 1.5% cash back | 1.5¢/$ | $0 | — | visa |
| Capital One Savor Cash Rewards Credit CardCapital One | 1% cash back | 1.0¢/$ | $0 | — | mastercard |
| Chase Freedom UnlimitedChase | 1.5% cash back | 1.5¢/$ | $0 | — | visa |
| DoorDash Rewards Mastercard®Chase | 1% cash back | 1.0¢/$ | $0 | $19.20 | mastercard |
| Chase Freedom FlexChase | 1% cash back | 1.0¢/$ | $0 | — | mastercard |
| Disney Visa CardChase | 1x Disney Rewards Dollars | 1.0¢/$ | $0 | — | visa |
| Marriott Bonvoy Bold Credit CardChase | 1x Marriott Bonvoy | 0.7¢/$ | $0 | — | visa |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | $25 | visa |
More Options
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Guides for this category
- Cash BackFlat-rate cash back versus category bonuses: a household spending comparisonA 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.
- Card StrategyHow to build a two-card wallet without double-counting rewardsA second card needs a job. Assign each purchase to one card, count each dollar once, and compare the pair with the best single card after fees.
- Points & MilesPoints vs. cash back: 3 numbers that decide which card earns moreCash back is worth its face value; points are worth what you redeem them for. Compare earn rate, point value, and annual fee to see which pays you more.
Related Categories
Best Credit Cards with Lounge AccessBest Credit Cards with Travel InsuranceBest Credit Cards with Cell Phone ProtectionBest Credit Cards with Purchase ProtectionBest Credit Cards with Rental Car InsuranceBest Credit Cards with Free Checked BagsBest Credit Cards with Global Entry CreditBest Credit Cards with Free Night AwardsBest Credit Cards with Airline Fee Credit in 2026