District - Oakland
up to20%Tapas · $$ · Old Oakland
American Express Gold Card + inKind
Resy creditinKind20%Hilton Honors Dining8x+12 more
309 restaurants in San Francisco that pay Upside
Upside pays cash back at these restaurants on top of whatever your card earns. Join once, link a card, and pay with it — values below are what each card earns here. Top neighborhoods: San Francisco - Downtown (90), SF - North Beach & Fisherman's Wharf (20), and South of Market (17).
309 restaurants
Popi's Oysterette
up to20%Seafood · $ · Marina District
American Express Gold Card + inKind
Resy creditinKind20%Hilton Honors Dining8x+10 moreBodega SF
up to20%Vietnamese · $$$$ · San Francisco - Downtown
American Express Gold Card + inKind
Sapphire Reserve Exclusive Tables creditinKind20%Upside9%+12 more3rd Cousin
up to20%Californian · $$$$ · San Francisco - Downtown
American Express Gold Card + inKind
inKind20%Hilton Honors Dining8xIHG Dine & Earn8x+9 moreCaffé Sport
up to20%Italian · $$$ · SF - North Beach & Fisherman's Wharf
American Express Gold Card + inKind
inKind20%Upside13%Hilton Honors Dining8x+11 moreMexican · $$$ · Peninsula
American Express Gold Card + inKind
inKind20%Hilton Honors Dining8xIHG Dine & Earn8x+11 moreDACHA Kitchen & Bar
up to20%Eastern European · $$$$ · San Francisco - Downtown
American Express Gold Card + inKind
inKind20%Upside11%Hilton Honors Dining8x+11 moreDumpling Kitchen
up to20%Chinese · $$ · San Francisco - Downtown
American Express Gold Card + inKind
inKind20%Hilton Honors Dining8xIHG Dine & Earn8x+9 moreEL Lopo
up to20%Tapas/Small Plates · $$$ · Lower Nob Hill
American Express Gold Card + inKind
inKind20%IHG Dine & Earn8xEat Around Town6x+7 moreMexican · $$$ · San Leandro
American Express Gold Card + inKind
inKind20%Hilton Honors Dining8xIHG Dine & Earn8x+11 moreFiorella Noe Valley
up to20%Italian · $$$ · San Francisco - Downtown
American Express Gold Card + inKind
inKind20%Upside12%Hilton Honors Dining8x+11 moreLe Central Bistro
up to20%French · $$$ · SF - North Beach & Fisherman's Wharf
American Express Gold Card + inKind
inKind20%Upside11%Hilton Honors Dining8x+11 moreLost and Found
up to20%Hawaiian · $$ · San Francisco - Downtown
American Express Gold Card + inKind
inKind20%Hilton Honors Dining8xIHG Dine & Earn8x+11 moreMägo Restaurant
up to20%Colombian · $$$$ · Piedmont Avenue
American Express Gold Card + inKind
inKind20%Upside11%Hilton Honors Dining8x+11 moreMersea Restaurant & Bar
up to20%American · $$ · San Francisco - Downtown
American Express Gold Card + inKind
inKind20%Hilton Honors Dining8xIHG Dine & Earn8x+9 moreNippon Curry - San Francisco
up to20%Japanese · $$ · The Marina
American Express Gold Card + inKind
inKind20%Hilton Honors Dining8xIHG Dine & Earn8x+11 morePalmetto Superfoods - Burlingame
up to20%Healthy · $$ · Peninsula
American Express Gold Card + inKind
inKind20%Upside12%Hilton Honors Dining8x+11 morePalmetto Superfoods - Clement
up to20%Healthy · $ · Inner Richmond
American Express Gold Card + inKind
inKind20%Upside12%Hilton Honors Dining8x+11 morePalmetto Superfoods - Dolores
up to20%Juice Bar · $$ · Dolores Heights
American Express Gold Card + inKind
inKind20%Upside12%Rakuten Dining5%Palmetto Superfoods - Marina
up to20%Healthy · $ · Cow Hollow
American Express Gold Card + inKind
inKind20%Upside12%Hilton Honors Dining8x+11 moreBrazilian · $$ · San Francisco - Downtown
American Express Gold Card + inKind
inKind20%Upside12%Hilton Honors Dining8x+11 morePrecita Social
up to20%American · $$$ · Precita Valley Lands
American Express Gold Card + inKind
inKind20%Hilton Honors Dining8xIHG Dine & Earn8x+11 moreSeabreeze On The Dock
up to20%Seafood · $$ · Produce and Waterfront
American Express Gold Card + inKind
inKind20%Upside11%Bilt Dining1x
- Restaurants
- 309
- Neighborhoods
- 90
- Cuisines
- 80
- Dining programs
- 14
- With a card perk
- 19
The 3 best cards to bring to dinner in San Francisco
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 (309 restaurants) and Bilt Dining (254) are the most widespread dining programs here, out of 309 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 17 restaurants hereCard details
Chase Sapphire Reserve
$795 annual fee
≈$5.40 on a $100 dinner
Perks at 2 restaurants hereCard details
Chase Sapphire Preferred Card
$95 annual fee
≈$5.40 on a $100 dinner
Card details
14 dining programs that pay in San Francisco
Dining programs pay on top of your card. Join one, link a card, and every meal at a participating restaurant earns twice.
- Upside309 restaurantsUp to 23% back
- Bilt Dining254 restaurants1 point per $1
- AAdvantage Dining250 restaurants1–5 miles per $1
- Eat Around Town249 restaurants4–6 points per $1
- MileagePlus Dining249 restaurants0.5–5 miles per $1
- SkyMiles Dining248 restaurants0.5–5 miles per $1
- IHG Dine & Earn247 restaurants1–8 points per $1
- TrueBlue Dining246 restaurants1–3 points per $1
- Rapid Rewards Dining246 restaurants0.5–3 points per $1
- Rakuten Dining242 restaurants5% back
- Dine Out with Wyndham242 restaurants1–5 points per $1
- Hilton Honors Dining241 restaurants2–8 points per $1
- Atmos Rewards Dining221 restaurants0.5–5 points per $1
- inKind29 restaurants20% back
80 cuisines in San Francisco
- American44
- Pizza37
- Italian25
- Indian24
- Mexican23
- Chinese18
- Thai16
- Asian14
- Japanese13
- Bar/Pub Fare11
- Seafood11
- Sushi10
- Healthy9
- Sandwiches8
- Mediterranean7
- Wine bar6
- Vietnamese6
- French6
- Burgers6
- Nepalese6
- Californian5
- Latin5
- Barbecue5
- Coffee/Tea5
- Deli4
- Middle Eastern4
- Brunch4
- Southern4
- Breakfast4
- Vegetarian4
- Salads4
- Brew Pub/Brewery3
- Dessert/Bakery3
- Café3
- Noodles3
- Korean3
- Bar/Club/Lounge3
- Greek3
- Eastern European2
- Russian2
- Tapas/Small Plates2
- Hawaiian2
- Bubble/Boba Tea2
- Peruvian2
- FUSION2
- Vegan2
- Brazilian2
- Juices/Smoothies2
- Filipino1
- Halal1
- Comfort-food1
- Venezuelan1
- Pub food1
- Poke1
- Retail1
- Ramen1
- Global1
- Tapas1
- Brewery1
- Turkish1
- Fusion / Eclectic1
- Asian American1
- Subs1
- Speakeasy1
- Cocktail1
- Colombian1
- Hot Pot1
- South American1
- Juice Bar1
- Chicken1
- Wings1
- Ethiopian/Eritrean1
- African1
- Steakhouse1
- Pub Fare1
- Tap Room1
- Organic1
- Portuguese1
- European1
- Cocktail bar1
172 neighborhoods in San Francisco
- San Francisco - Downtown90
- SF - North Beach & Fisherman's Wharf20
- South of Market17
- Mission District10
- Peninsula7
- Downtown6
- Inner Mission6
- Emeryville5
- Inner Sunset5
- Downtown Berkeley4
- Downtown San Rafael4
- El Cerrito4
- Inner Richmond4
- North Berkeley4
- Piedmont Avenue4
- Russian Hill4
- Temescal4
- The Marina4
- Berkeley3
- Central Richmond3
- Cow Hollow3
- Longfellow3
- Mission Bay3
- North Beach3
- Outer Sunset3
- Produce and Waterfront3
- Rockridge3
- Silicon Valley3
- Albany2
- Burlingame2
- Central Alameda2
- Central Berkeley2
- Corte Madera2
- Financial District2
- Hayes Valley2
- Montclair Business Park2
- San Francisco2
- San Leandro2
- San Pablo2
- San Rafael2
- Shafter2
- South Campus2
- West End2
- Alamo Square1
- Bayview1
- Berkeley Hills1
- Berkeley Oceanview1
- Clinton1
- College Avenue1
- Dolores Heights1
- Downtown San Leandro1
- Downtown South San Francisco1
- East Solano Avenue1
- Edgemar1
- El Sobrante1
- Excelsior1
- Far North1
- Fisherman's Wharf1
- Grand Lake1
- Havenscourt1
- Lakeshore1
- Larkspur1
- Laurel Heights1
- Lone Mountain1
- Lower Nob Hill1
- Lower Pacific Heights1
- Marina1
- Marina District1
- Mission Dolores1
- Noe Valley1
- North Waterfront1
- Old Oakland1
- Pacific Heights1
- Pacifica1
- Parkmerced1
- Parkside1
- Polk Gulch1
- Precita Valley Lands1
- San Pablo Gateway1
- Serramonte1
- South Beach1
- Telegraph Avenue1
- Thousand Oaks1
- Union Square1
- Waverly1
- West Berkeley1
- West Portal1
- West San Leandro1
- Westbrae1
- Yerba Buena1
447 more cities and towns in California
- Los Angeles2,036 restaurants
- San Diego494 restaurants
- San Jose140 restaurants
- Sacramento118 restaurants
- Long Beach103 restaurants
- Fresno84 restaurants
- Irvine62 restaurants
- Napa62 restaurants
- Anaheim55 restaurants
- Huntington Beach54 restaurants
- Costa Mesa48 restaurants
- Palo Alto48 restaurants
- All 448 in California
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