Ice Cream/Frozen Yogurt/Gelato · $$ · Downtown San Mateo
American Express Gold Card + Bilt Dining
Dine Out with Wyndham pays Wyndham Rewards points at these restaurants on top of whatever your card earns. Join once, link a card, and pay with it — values below are what each card earns here. Top neighborhoods: San Francisco - Downtown (111), SF - North Beach & Fisherman's Wharf (20), and South of Market (19).
325 restaurants
Ice Cream/Frozen Yogurt/Gelato · $$ · Downtown San Mateo
American Express Gold Card + Bilt Dining
French · $$ · San Francisco - Downtown
American Express Gold Card + Bilt Dining
Caribbean · $$$ · Fairfax
American Express Gold Card + Bilt Dining
Indian · $$ · Downtown San Mateo
American Express Gold Card + Bilt Dining
Chinese · $$ · San Francisco - Downtown
American Express Gold Card + Bilt Dining
American · $$ · San Francisco - Downtown
American Express Gold Card + Bilt Dining
Japanese · $$$$ · Inner Richmond
American Express Gold Card + Bilt Dining
Coffee/Tea · $ · Tenderloin
American Express Gold Card + Bilt Dining
Café · $$$ · Peninsula
American Express Gold Card
European · $$ · San Francisco - Downtown
American Express Gold Card
Japanese · $$$ · Peninsula
American Express Gold Card
Italian · $$$ · Peninsula
American Express Gold Card
Italian · $$$$ · San Francisco - Downtown
American Express Gold Card
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. AAdvantage Dining (325 restaurants) and Dine Out with Wyndham (325) are the most widespread dining programs here, out of 325 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 15 restaurants hereCard details
Chase Sapphire Reserve
$795 annual fee
≈$5.40 on a $100 dinner
Perks at 3 restaurants 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.