Compare card earning rates, fees and benefit qualifications.
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.
178 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not dining?
Earn 3 ways on one dinner
Your card's dining rate, a dining program you link it to, and the reservation perks it unlocks. The dining map shows all three, restaurant by restaurant.
Eligible dine-in purchases only; takeout and delivery do not qualify. Check restaurant and day restrictions. A card can be linked to only one dining rewards program at a time. The Rakuten American Express Card offers an extra 5% on eligible Rakuten Dining purchases (10% total) when added to the Rakuten Wallet and linked to your active Rakuten account. Dining purchases do not count toward its shopping rewards cap. Rakuten Dining's 5% is not counted for other cards: any linked card can earn it, but whether you link one, and where you dine, are unknown. For the Rakuten American Express Card, the full 10% at these restaurants (in place of its usual restaurant rate) is counted on 3.3% of dining spend: 20,618 of the 618,476 restaurants in the US take part (US Census, 2023). Answer "Do you use Rakuten Dining?" to change it.
American Express · No annual fee
American Express
Why this card
Est. $36/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
American Express
Why this card
$60/yr value — $120 Resy Credit
Est. $36/yr in usable credits offset part of the $350 fee — actual value depends on use and eligibility
Cardless
Why this card
3X applies only while dining is the elected 3X category (dining or grocery). Dining is the default at account opening; grocery can be chosen within 30 days of opening or each January.
Est. $10/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Why this card
$180/yr value — Exclusive Tables Dining Credit
$252/yr value — DoorDash DashPass & Credits
Est. $155/yr in usable credits offset part of the $795 fee — actual value depends on use and eligibility
American Express
Why this card
$120/yr value — $240 Resy Credit
Est. $56/yr in usable credits offset part of the $650 fee — actual value depends on use and eligibility
American Express
Why this card
$60/yr value — $120 Dining Credit
$50/yr value — $100 Resy Credit
$42/yr value — $84 Dunkin' Credit
Est. $36/yr in usable credits offset part of the $325 fee — actual value depends on use and eligibility
Bonus rate on first $50,000/annual, then base rate
Why this card
Est. $333/yr in usable credits offset part of the $595 fee — actual value depends on use and eligibility
Wells Fargo
Why this card
No annual fee
Why this card
Est. $13/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
BMO
Why this card
Est. $36.50/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Bonus rate on first $3,000/quarterly, then base rate
Why this card
Est. $10/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Capital One
Why this card
Not cash: reward certificates require future qualifying Williams Sonoma family of brands purchases before they expire.
No annual fee
Why this card
No annual fee
Your spend ($6,000) is 75% of the $8,000 annual cap
Bonus rate on first $2,000/quarterly, then base rate
Synchrony
Why this card
No annual fee
Why this card
WebBank
Why this card
No annual fee
Cardless
Why this card
Est. $40/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Why this card
No annual fee
Why this card
Your spend ($6,000) is 75% of the $8,000 annual cap
Bonus rate on first $2,000/quarterly, then base rate
Why this card
No annual fee
Why this card
$30/yr value — Complimentary DashPass Membership
$15/yr value — Instacart+ Membership & Credit
Est. $88/yr in usable credits offset part of the $150 fee — actual value depends on use and eligibility
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Why this card
3% in Macy's certificate value) on Dining ($180/yr in Macy's certificate value on $6,000 of eligible purchases). Not cash: reward certificates require future qualifying Macy's purchases before they expire.
No annual fee
Navy Federal
Why this card
No annual fee
Synchrony
Why this card
No annual fee
TD Bank
Why this card
No annual fee
Capital One
Why this card
Bank of America
Why this card
Why this card
