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470 restaurants in Chicago that pay Upside

Upside pays cash back at these restaurants on top of whatever your card earns. Join once, link a card, and pay with it — values below are what each card earns here. Top neighborhoods: West Loop (28), Logan Square (22), and South Loop (20).

470 restaurants

Restaurants
470
Neighborhoods
153
Cuisines
88
Dining programs
14
With a card perk
16

The 3 best cards to bring to dinner in Chicago

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 (470 restaurants) and Bilt Dining (355) are the most widespread dining programs here, out of 470 restaurants. American Express Gold Card tops the list here on its own dining rate — ≈$6.00 on a $100 dinner before any program.

All the best cards for dining

14 dining programs that pay in Chicago

Dining programs pay on top of your card. Join one, link a card, and every meal at a participating restaurant earns twice.

88 cuisines in Chicago

216 neighborhoods in Chicago

253 more cities and towns in Illinois

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.