Cocktail bar · $$ · Marina District
The Platinum Card from American Express Exclusively for Morgan Stanley
The Platinum Card from American Express Exclusively for Morgan Stanley's dining credits or reservation access apply at these restaurants. Figures are what the card earns here; a credit is listed beside them, never added. Top neighborhoods: Mission District (10), Oakland (7), and Financial District (6).
184 restaurants
Cocktail bar · $$ · Marina District
The Platinum Card from American Express Exclusively for Morgan Stanley
Asian American · $ · Bernal Heights
The Platinum Card from American Express Exclusively for Morgan Stanley
Italian · $ · North Beach
The Platinum Card from American Express Exclusively for Morgan Stanley
Californian · $$ · Piedmont
The Platinum Card from American Express Exclusively for Morgan Stanley
Italian · $$ · North Beach
The Platinum Card from American Express Exclusively for Morgan Stanley
Italian · $$ · Tiburon
The Platinum Card from American Express Exclusively for Morgan Stanley
Japanese · $$$ · NOPA
The Platinum Card from American Express Exclusively for Morgan Stanley
American · $$ · Dogpatch
The Platinum Card from American Express Exclusively for Morgan Stanley
Sushi · $$$ · Alameda
The Platinum Card from American Express Exclusively for Morgan Stanley
Californian · $$ · Central Richmond
The Platinum Card from American Express Exclusively for Morgan Stanley
Californian · $ · Mill Valley
The Platinum Card from American Express Exclusively for Morgan Stanley
Korean · $$ · Central San Mateo
The Platinum Card from American Express Exclusively for Morgan Stanley
Wine bar · $$ · West Berkeley
The Platinum Card from American Express Exclusively for Morgan Stanley
American · $ · Marina District
The Platinum Card from American Express Exclusively for Morgan Stanley
Sushi · $$ · Albany
The Platinum Card from American Express Exclusively for Morgan Stanley
Sushi · $ · Uptown Oakland
The Platinum Card from American Express Exclusively for Morgan Stanley
Ranked by what each card earns across this city's restaurants at our point valuations, counting the dining program that pays most at each one. Card credits aren't counted. Upside (17 restaurants) and AAdvantage Dining (16) are the most widespread dining programs here, out of 184 restaurants. American Express Gold Card tops the list here on its own dining rate — ≈$6.00 on a $100 dinner before any program.

American Express Gold Card
$325 annual fee
≈$6.00 on a $100 dinner
Perks at 184 restaurants hereCard details
Chase Sapphire Reserve
$795 annual fee
≈$5.40 on a $100 dinner
Perk at 1 restaurant hereCard details
Chase Sapphire Preferred Card
$95 annual fee
≈$5.40 on a $100 dinner
Card detailsDining programs pay on top of your card. Join one, link a card, and every meal at a participating restaurant earns twice.
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 Some opening hours, phone numbers, websites and cuisines are © OpenStreetMap contributors (ODbL 1.0). OpenStreetMap copyright
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.