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Best Credit Cards for Kitchen & Dining Carts

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for Kitchen & Dining Carts

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:DiningCached
85%
Scores include 5% Rakuten Dining portal stacking on all cards
Not right? Try:
164 matches1044ms

Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

Bilt Obsidian Card
1

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.2¢/pt = 6.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.2¢ each ($396/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$10 in credits offset the $95 fee

MASTERCARDCore Rate
6.6¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$396
+ Credits$10
− Annual fee$95
Net annual value$311
American Express Gold Card
2

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.5¢/pt = 6.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.5¢ each ($360/yr on $6,000 spend)
  2. 2.$60/yr $120 Dining Credit
  3. 3.$50/yr $100 Resy Credit
  4. 4.$42/yr $84 Dunkin' Credit

$36 in credits offset the $325 fee

AMEXCore Rate
6.0¢
per dollar on dining
$325/yr($36 in credits)
Annual rewards$360
+ Credits$36
− Annual fee$325
Net annual value$71

Bonus rate on first $50,000/annual, then base rate

Chase Sapphire Reserve
3

Chase Sapphire Reserve

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$180/yr DoorDash DashPass & Credits

$180 in credits offset the $795 fee

VISACore Rate
5.4¢
per dollar on dining
$795/yr($180 in credits)
Annual rewards$324.00
+ Credits$180
− Annual fee$795
Net annual value-$291.00
Chase Sapphire Preferred Card
4

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$60/yr Complimentary DashPass Membership
  3. 3.$24/yr DoorDash DashPass benefits
  4. 4.OpenTable Special Dining Events

$10 in credits offset the $95 fee

VISACore Rate
5.4¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$324.00
+ Credits$10
− Annual fee$95
Net annual value$239.00
Citi Strata Elite℠ Card
5

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.6¢/pt = 4.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.6¢ each ($288/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$630.50 in credits fully offsets the $595 fee

MASTERCARDCore Rate
4.8¢
per dollar on dining
$595/yr($630.50 in credits)
Annual rewards$288
+ Credits$630.50
− Annual fee$595
Net annual value$323.50
Rakuten American Express Card
6

Rakuten American Express Card

First Electronic Bank

2% cash back on Dining

Convertible Cash Back — 2.0–4.0¢/$

This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

Why this card

  1. 1.2% cash back on Dining ($188/yr on $6,000 spend)
  2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value
  3. 3.10% via Rakuten Dining (5% portal + 5% card bonus)

No annual fee

AMEXConvertibleCore Rate
2.0–4.0¢
per dollar on dining
depending on redemption
No annual fee
Annual rewards$188
Net annual value$188
DoorDash Rewards Mastercard®
7

DoorDash Rewards Mastercard®

Chase

3x points on Dining via Direct

Why this card

  1. 1.3x on Dining ($180/yr on $6,000 spend)
  2. 2.$153/yr 10% Monthly Grocery Discount
  3. 3.$82/yr Free DashPass for First Year

No annual fee

MASTERCARDCore Rate
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180
Citi Strata Premier Card
8

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.6¢/pt = 4.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.6¢ each ($288/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$10 in credits offset the $95 fee

MASTERCARDCore Rate
4.8¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$288
+ Credits$10
− Annual fee$95
Net annual value$203
9

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISACore Rate
4.0¢
per dollar on dining
No annual fee
Annual rewards$240
Net annual value$240
IHG One Rewards Premier Credit Card
10

IHG One Rewards Premier Credit Card

Chase

5x IHG One Rewards on Dining
5x × 0.6¢/pt = 3.0¢ per dollar

Why this card

  1. 1.5x on Dining — points worth 0.6¢ each ($180/yr on $6,000 spend)
  2. 2.$30/yr Complimentary DashPass Membership
  3. 3.$30/yr Instacart+ Savings
  4. 4.$15/yr Instacart+ Membership & Credit

$3 in credits offset the $99 fee

MASTERCARDCore Rate
3.0¢
per dollar on dining
$99/yr($3 in credits)
Annual rewards$180
+ Credits$3
− Annual fee$99
Net annual value$84
Pottery Barn Key Rewards Visa
11

Pottery Barn Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

VISACore Rate
4.0¢
per dollar on dining
No annual fee
Annual rewards$240
Net annual value$240
U.S. Bank Altitude Go Visa Signature Card
12

U.S. Bank Altitude Go Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Dining
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.OpenTable Special Dining Events

No annual fee

Your spend ($6,000) is 75% of the $8,000 annual cap

VISACore Rate
4.0¢
per dollar on dining
No annual fee
Annual rewards$240
Net annual value$240

Bonus rate on first $2,000/quarterly, then base rate

BMO Premium Rewards Mastercard®
13

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($240/yr on $6,000 spend)

Your spend ($6,000) is 75% of the $8,000 annual cap

MASTERCARDCore Rate
4.0¢
per dollar on dining
$95/yr
Annual rewards$240
− Annual fee$95
Net annual value$145

Bonus rate on first $2,000/quarterly, then base rate

14

Bilt Palladium Card

Cardless

2x Bilt Rewards on Dining
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

    $40 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar on dining
    $495/yr($40 in credits)
    Annual rewards$264.00
    + Credits$40
    − Annual fee$495
    Net annual value-$191.00
    Wells Fargo Autograph Visa Credit Card
    15

    Wells Fargo Autograph Visa Credit Card

    Wells Fargo

    3x Wells Fargo Rewards on Dining
    3x × 1.3¢/pt = 3.8¢ per dollar
    Up to 4.8¢/$ (1.6¢/pt)via Choice Privileges

    Why this card

    1. 1.3x on Dining — points worth 1.3¢ each ($225/yr on $6,000 spend)
    2. 2.OpenTable Special Dining Events
    3. 3.Up to 1.6¢/pt via Choice Privileges

    No annual fee

    VISACore Rate
    3.8¢
    per dollar on dining
    No annual fee
    Annual rewards$225
    Net annual value$225
    Chase Freedom Flex
    16

    Chase Freedom Flex

    Chase

    3% cash back on Dining

    Why this card

    1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
    2. 2.$30/yr DashPass Subscription
    3. 3.$30/yr Instacart+ Savings
    4. 4.$20/yr DoorDash

    No annual fee

    MASTERCARDCore Rate
    3.0¢
    per dollar on dining
    No annual fee
    Annual rewards$180
    Net annual value$180
    17

    Capital One Venture X Rewards Credit Card

    Capital One

    2x Venture Miles on Dining
    2x × 1.9¢/pt = 3.7¢ per dollar

    Why this card

      $33 in credits offset the $395 fee

      VISA
      3.7¢
      per dollar on dining
      $395/yr($33 in credits)
      Annual rewards$222
      + Credits$33
      − Annual fee$395
      Net annual value-$140
      Capital One Savor Cash Rewards Credit Card
      18

      Capital One Savor Cash Rewards Credit Card

      Capital One

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings
      3. 3.Capital One Dining

      No annual fee

      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180
      U.S. Bank Altitude Go® Secured Visa® Signature
      19

      U.S. Bank Altitude Go® Secured Visa® Signature

      Usbank

      4x points on Dining

      Why this card

      1. 1.4x on Dining ($240/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events

      No annual fee

      VISACore Rate
      4.0¢
      per dollar on dining
      No annual fee
      Annual rewards$240
      Net annual value$240
      Marriott Bonvoy Bevy American Express Card
      20

      Marriott Bonvoy Bevy American Express Card

      Amex

      4x Marriott Bonvoy on Dining
      4x × 0.7¢/pt = 2.8¢ per dollar

      Why this card

      1. 1.4x on Dining — points worth 0.7¢ each ($168/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Membership & Credit
      3. 3.$30/yr Complimentary DashPass Membership
      AMEXCore Rate
      2.8¢
      per dollar on dining
      $250/yr
      Annual rewards$168
      − Annual fee$250
      Net annual value-$82

      Bonus rate on first $15,000/annual, then base rate

      Aeroplan® Card
      21

      Aeroplan® Card

      Chase

      3x Aeroplan on Dining
      3x × 1.0¢/pt = 3.0¢ per dollar

      Why this card

      1. 1.3x on Dining — points worth 1.0¢ each ($180/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings
      3. 3.$8/yr DoorDash

      $15 in credits offset the $195 fee

      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      $195/yr($15 in credits)
      Annual rewards$180
      + Credits$15
      − Annual fee$195
      Net annual value$0
      Marriott Bonvoy Bountiful Credit Card
      22

      Marriott Bonvoy Bountiful Credit Card

      Chase

      4x Marriott Bonvoy on Dining
      4x × 0.7¢/pt = 2.8¢ per dollar

      Why this card

      1. 1.4x on Dining — points worth 0.7¢ each ($168/yr on $6,000 spend)
      2. 2.$90/yr $150 Annual Dining Credit
      3. 3.$15/yr Complimentary DashPass for 12 Months
      4. 4.OpenTable Special Dining Events
      VISACore Rate
      2.8¢
      per dollar on dining
      $250/yr
      Annual rewards$168
      − Annual fee$250
      Net annual value-$82

      Bonus rate on first $15,000/annual, then base rate

      23

      One Key+ Card

      Wells Fargo

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings
      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      $99/yr
      Annual rewards$180
      − Annual fee$99
      Net annual value$81
      24

      BMO Escape

      Bmo

      4x points on Dining

      Why this card

      1. 1.4x on Dining ($240/yr on $6,000 spend)

      $36.50 in credits offset the $150 fee

      MASTERCARDCore Rate
      4.0¢
      per dollar on dining
      $150/yr($36.50 in credits)
      Annual rewards$240
      + Credits$36.50
      − Annual fee$150
      Net annual value$126.50

      Bonus rate on first $3,000/quarterly, then base rate

      Wells Fargo Autograph Journey Visa Credit Card
      25

      Wells Fargo Autograph Journey Visa Credit Card

      Wells Fargo

      3x Wells Fargo Rewards on Dining
      3x × 1.3¢/pt = 3.8¢ per dollar
      Up to 4.8¢/$ (1.6¢/pt)via Choice Privileges

      Why this card

      1. 1.3x on Dining — points worth 1.3¢ each ($225/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events
      3. 3.Up to 1.6¢/pt via Choice Privileges
      VISACore Rate
      3.8¢
      per dollar on dining
      $95/yr
      Annual rewards$225
      − Annual fee$95
      Net annual value$130
      Bank of America Customized Cash Rewards Credit Card
      26

      Bank of America Customized Cash Rewards Credit Card

      Bank Of America

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events

      No annual fee

      VISACore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $2,500/quarterly, then base rate

      27

      TD Cash Credit Card

      Td Bank

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)
      2. 2.OpenTable Special Dining Events

      No annual fee

      VISACore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180
      28

      Macys American Express Card

      Citi

      3x points on Dining

      Why this card

      1. 1.3x on Dining ($180/yr on $6,000 spend)

      No annual fee

      AMEXCore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180
      29

      Sam's Club Mastercard

      Synchrony

      3% cash back on Dining

      Why this card

      1. 1.3% cash back on Dining ($180/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180
      Navy Federal GO REWARDS® Card
      30

      Navy Federal GO REWARDS® Card

      Navy Federal

      3x Navy Federal Nrewards on Dining
      3x × 1.0¢/pt = 3.0¢ per dollar

      Why this card

      1. 1.3x on Dining — points worth 1.0¢ each ($180/yr on $6,000 spend)

      No annual fee

      VISACore Rate
      3.0¢
      per dollar on dining
      No annual fee
      Annual rewards$180
      Net annual value$180