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.
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
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
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
Amex has limited international acceptance — carry a Visa/Mastercard backup
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
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
WebBank
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
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
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
Amex has limited international acceptance — carry a Visa/Mastercard backup
Bank of America
Why this card
Why this card
Why this card
Wells Fargo
Why this card
Bank of America
Why this card
Est. $15/yr in usable credits offset part of the $395 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
