20 best cards for dining out

Ranked by what each card alone earns on a $100 restaurant bill at our point valuations. The annual fee sits next to every card; dining credits and reservation perks are listed, never added to the rate.

1
1
American Express Gold Card4x Membership Rewards points · $325American Express$3254x Membership Rewards points≈$6.00at 1.5¢ a point, our valuation as of Jan 2026$100 Resy Credit$50 every six months · Applies at 10,957 restaurants
2
2
Chase Sapphire Reserve3x Chase Ultimate Rewards points · $795Chase$7953x Chase Ultimate Rewards points≈$5.40at 1.8¢ a point, our valuation as of Jan 2026Exclusive Tables Dining Credit$300 a year · Applies at 440 restaurants
3
3
Chase Sapphire Preferred Card3x Chase Ultimate Rewards points · $95Chase$953x Chase Ultimate Rewards points≈$5.40at 1.8¢ a point, our valuation as of Jan 2026No restaurant perk
4
4
Citi Strata Premier Card3x Citi ThankYou Points · $95Citi$953x Citi ThankYou Points≈$4.80at 1.6¢ a point, our valuation as of Jan 2026No restaurant perk
5
5
Bilt Palladium Card2x Bilt Rewards points · $495Cardless$4952x Bilt Rewards points≈$4.40at 2.2¢ a point, our valuation as of Aug 2026No restaurant perk
6
6
BMO Escape4x BMO Flex Rewards points · $150BMO$1504x BMO Flex Rewards points≈$4.00at 1¢ a point, our valuationNo restaurant perk
7
7
BMO Premium Rewards Mastercard®4x BMO Flex Rewards points · $95BMO$954x BMO Flex Rewards points≈$4.00at 1¢ a point, our valuationNo restaurant perk
8
8
U.S. Bank Altitude Go Visa Signature Card4x U.S. Bank Altitude Rewards points · $0U.S. Bank$04x U.S. Bank Altitude Rewards points≈$4.00at 1¢ a point, our valuation as of Feb 2026No restaurant perk
9
9
U.S. Bank Altitude Go® Secured Visa® Card4x U.S. Bank Altitude points · $0U.S. Bank$04x U.S. Bank Altitude points≈$4.00at 1¢ a point, our valuationNo restaurant perk
10
10
Verizon Visa Card4% cash back · $0Synchrony$04% cash back≈$4.00cash back, valued at faceNo restaurant perk
11
11
FRONTIER Airlines World Mastercard3x Frontier Miles · $99Barclays$993x Frontier Miles≈$3.90at 1.3¢ a point, our valuation as of Jul 2026No restaurant perk
12
12
Wells Fargo Autograph Journey Visa Credit Card3x Wells Fargo Rewards points · $95Wells Fargo$953x Wells Fargo Rewards points≈$3.75at 1.25¢ a point, our valuation as of Jan 2026No restaurant perk
13
13
Wells Fargo Autograph Visa Credit Card3x Wells Fargo Rewards points · $0Wells Fargo$03x Wells Fargo Rewards points≈$3.75at 1.25¢ a point, our valuation as of Jan 2026No restaurant perk
14
14
Atmos Rewards Summit Visa Infinite Credit Card3x Atmos Rewards points · $395Bank of America$3953x Atmos Rewards points≈$3.30at 1.1¢ a point, our valuation as of Feb 2026No restaurant perk
15
15
World of Hyatt Credit Card2x World of Hyatt points · $95Chase$952x World of Hyatt points≈$3.30at 1.65¢ a point, our valuation as of Sep 2026No restaurant perk
16
16
Citi Strata Credit Card2x Citi ThankYou Points · $0Citi$02x Citi ThankYou Points≈$3.20at 1.6¢ a point, our valuation as of Jan 2026No restaurant perk
17
17
Air France KLM Visa Signature® Credit Card3x Flying Blue points · $89Bank of America$893x Flying Blue points≈$3.00at 1¢ a point, our valuation as of Sep 2026No restaurant perk
18
18
Blue Business Plus Credit Card from American Express2x Membership Rewards points · $0American Express$02x Membership Rewards points≈$3.00at 1.5¢ a point, our valuation as of Jan 2026No restaurant perk
19
19
bp rewards Visa®3% cash back · $0FNBO$03% cash back≈$3.00cash back, valued at faceNo restaurant perk
20
20
Capital One Savor Cash Rewards Credit Card3% cash back · $0Capital One$03% cash back≈$3.00cash back, valued at faceNo restaurant perk

Best at participating restaurants

These rates apply only at restaurants in the dining program named—not at every table. Cash back is shown first; point conversions follow when the card publishes them.

Rakuten American Express Card
Rakuten American Express Card: 11% at 20,617 Rakuten Dining restaurants
Converts to Amex Membership Rewards or Bilt Rewards.

How we rank 20 cards

We take each card's best unconditional restaurant rate from its published earn rates: no rotating categories, portal bookings or limited-time offers.
We price the points at our valuation for that currency and show the date we set it. Cash back is valued at face.
Dining credits and reservation access are listed with the card, never added to the rate: a $50 credit is not 50% back on a $100 dinner.
Annual fees are not netted out. A card earning more per dinner can still cost more than it returns if you don't dine out often.

Some restaurant addresses, phone numbers, websites and cuisines come from Overture Maps Foundation open data (Meta and Microsoft, CDLA Permissive 2.0; Foursquare, Apache 2.0; AllThePlaces, CC0 1.0). Overture attribution Some neighbourhoods come from Who's On First boundaries (CC-BY 4.0). Who's On First licenses