Pub Fare · $ · SF - North Beach & Fisherman's Wharf
The Platinum Card from American Express · 7.5% with Upside
The Platinum Card from American Express'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
Pub Fare · $ · SF - North Beach & Fisherman's Wharf
The Platinum Card from American Express · 7.5% with Upside
Southern · $ · Civic Center
The Platinum Card from American Express · 7% with Rakuten Dining
Japanese · $ · Oakland Chinatown
The Platinum Card from American Express · 7% with Rakuten Dining
Italian · $$ · San Francisco
The Platinum Card from American Express · 3.5% with Bilt Dining
Californian · $$ · Japantown
The Platinum Card from American Express
Italian · $$ · Rockridge
The Platinum Card from American Express
Indian · $$ · Dogpatch
The Platinum Card from American Express
Mexican · $ · Oakland
The Platinum Card from American Express
Italian · $$ · Mission Gulch
The Platinum Card from American Express
Pizza · $$ · North Beach
The Platinum Card from American Express
Asian · $$ · The Mission
The Platinum Card from American Express
Japanese · $$$ · The Mission
The Platinum Card from American Express
Nikkei · $ · Soma
The Platinum Card from American Express
Thai · $$ · Union Square
The Platinum Card from American Express
Asian · $ · Lower Nob Hill
The Platinum Card from American Express
Italian · $$ · Grand Ave
The Platinum Card from American Express
French · $$$ · Mission District
The Platinum Card from American Express
Thai · $$ · Japantown
The Platinum Card from American Express
Italian · $$ · Mission District
The Platinum Card from American Express
Thai · $$ · Jordan Park
The Platinum Card from American Express
Sushi · $$$$ · Hayes Valley
The Platinum Card from American Express
Californian · $$ · Pacific Heights
The Platinum Card from American Express
Tapas · $$ · Temescal District
The Platinum Card from American Express
Italian · $$$$ · Lower Pacific Heights
The Platinum Card from American Express
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.