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best chase card for dining

Here you can add a description about your company or product

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About
  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
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Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

Programs

Networks

Refine results

How do you usually dine?

Do you use DashPass or Uber One?

Do you use Resy for reservations?

No annual fee only?

Avoid Amex network?

Resolved as:Dining
Cached
85%
Scores include 5% Rakuten Dining portal stacking on all cards
Not right? Try:
150 matches1280ms
American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 7.2¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($432/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

AMEX
Core Rate
7.2¢
per dollar on dining
$325/yr($36 in credits)
Annual rewards$432
+ Credits$36
\u2212 Annual fee$325
Net annual value$143

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

Chase Sapphire Preferred Card
2

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

$6.60 in credits offset the $95 fee

VISA
Core Rate
5.4¢
per dollar on dining
$95/yr($6.60 in credits)
Annual rewards$324.00
+ Credits$6.60
\u2212 Annual fee$95
Net annual value$235.60
Bilt Blue Card
3

Bilt Blue Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
No annual fee
Annual rewards$360
Net annual value$360
Rakuten American Express Card
4

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

AMEX
Convertible
Core Rate
2.0–4.0¢
per dollar on dining
depending on redemption
No annual fee
Annual rewards$188
Net annual value$188
Bilt Obsidian Card
5

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$360
+ Credits$10
\u2212 Annual fee$95
Net annual value$275
Citi Custom Cash Card
6

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($300/yr on $6,000 spend)
  2. 2.$30/yr DashPass Subscription
  3. 3.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on dining
No annual fee($18 in credits)
Annual rewards$300
+ Credits$18
Net annual value$318

Bonus rate on first $500/monthly, then base rate

Wells Fargo Autograph Visa Credit Card
7

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

No annual fee

VISA
Core Rate
4.5¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$270
+ Credits$1.60
Net annual value$271.60
No image
8

Bilt Palladium Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$40 in credits offset the $495 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$495/yr($40 in credits)
Annual rewards$360
+ Credits$40
\u2212 Annual fee$495
Net annual value-$95
American Express Green Card
9

American Express Green Card

Amex

3x Membership 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)

$18.90 in credits offset the $150 fee

AMEX
Core Rate
5.4¢
per dollar on dining
$150/yr($18.90 in credits)
Annual rewards$324.00
+ Credits$18.90
\u2212 Annual fee$150
Net annual value$192.90
Chase Sapphire Reserve
10

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.$25/yr Exclusive Tables Dining Credit
  3. 3.$25/yr DoorDash DashPass & Credits

$198 in credits offset the $795 fee

VISA
Core Rate
5.4¢
per dollar on dining
$795/yr($198 in credits)
Annual rewards$324.00
+ Credits$198
\u2212 Annual fee$795
Net annual value-$273
No image
11

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

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$150/yr($36.50 in credits)
Annual rewards$240
+ Credits$36.50
\u2212 Annual fee$150
Net annual value$126.50

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

Capital One Savor Cash Rewards Credit Card
12

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
4.0¢
per dollar on dining
No annual fee($71.93 in credits)
Annual rewards$240
+ Credits$71.93
Net annual value$311.93
Citi Strata Elite℠ Card
13

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$630.50 in credits fully offsets the $595 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$595/yr($630.50 in credits)
Annual rewards$270
+ Credits$630.50
\u2212 Annual fee$595
Net annual value$305.50
Pottery Barn Key Rewards Visa
14

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)

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
U.S. Bank Altitude Go Visa Signature Card
15

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)

No annual fee

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

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60

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

No image
16

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)

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
No image
17

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham 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)

$1.60 in credits offset the $75 fee

VISA
Core Rate
4.0¢
per dollar on dining
$75/yr($1.60 in credits)
Annual rewards$240
+ Credits$1.60
\u2212 Annual fee$75
Net annual value$166.60
Citi Strata Premier Card
18

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$270
+ Credits$10
\u2212 Annual fee$95
Net annual value$185
Wells Fargo Autograph Journey Visa Credit Card
19

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

$1.60 in credits offset the $95 fee

VISA
Core Rate
4.5¢
per dollar on dining
$95/yr($1.60 in credits)
Annual rewards$270
+ Credits$1.60
\u2212 Annual fee$95
Net annual value$176.60
Chase Freedom Flex
20

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.$20/yr DoorDash
  3. 3.$30/yr DashPass Subscription

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

Promotional rate — may be time-limited

MASTERCARD
Promotional
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $1,500/quarterly, then base rate

U.S. Bank Altitude Go® Secured Visa® Signature
21

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)

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
BMO Premium Rewards Mastercard®
22

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

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$95/yr
Annual rewards$240
\u2212 Annual fee$95
Net annual value$145

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

IHG One Rewards Premier Credit Card
23

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

MASTERCARD
Core Rate
3.0¢
per dollar on dining
$99/yr($3 in credits)
Annual rewards$180
+ Credits$3
\u2212 Annual fee$99
Net annual value$84
Marriott Bonvoy Bountiful Credit Card
24

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

$1.60 in credits offset the $250 fee

VISA
Core Rate
2.8¢
per dollar on dining
$250/yr($1.60 in credits)
Annual rewards$168
+ Credits$1.60
\u2212 Annual fee$250
Net annual value-$80.40

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

DoorDash Rewards Mastercard®
25

DoorDash Rewards Mastercard®

Chase

3x points on Dining via Direct

Why this card

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

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee($73.20 in credits)
Annual rewards$180
+ Credits$73.20
Net annual value$253.20
No image
26

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

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180
Navy Federal More Rewards® Card
27

Navy Federal More 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

VISA
Core Rate
3.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$180
+ Credits$1.60
Net annual value$181.60
Bank of America Customized Cash Rewards Credit Card
28

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points 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

VISA
Core Rate
3.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$180
+ Credits$1.60
Net annual value$181.60

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

No image
29

TD Cash Credit Card

Td Bank

3x Cashback 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

VISA
Core Rate
3.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$180
+ Credits$1.60
Net annual value$181.60
No image
30

Navy Federal More Rewards American Express®

Navy Federal

3x points on Dining

Why this card

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

No annual fee

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

Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

Programs

Networks

Refine results

How do you usually dine?

Do you use DashPass or Uber One?

Do you use Resy for reservations?

No annual fee only?

Avoid Amex network?

Resolved as:Dining
Cached
85%
Scores include 5% Rakuten Dining portal stacking on all cards
Not right? Try:
150 matches1280ms
American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 7.2¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($432/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

AMEX
Core Rate
7.2¢
per dollar on dining
$325/yr($36 in credits)
Annual rewards$432
+ Credits$36
\u2212 Annual fee$325
Net annual value$143

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

Chase Sapphire Preferred Card
2

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

$6.60 in credits offset the $95 fee

VISA
Core Rate
5.4¢
per dollar on dining
$95/yr($6.60 in credits)
Annual rewards$324.00
+ Credits$6.60
\u2212 Annual fee$95
Net annual value$235.60
Bilt Blue Card
3

Bilt Blue Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
No annual fee
Annual rewards$360
Net annual value$360
Rakuten American Express Card
4

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

AMEX
Convertible
Core Rate
2.0–4.0¢
per dollar on dining
depending on redemption
No annual fee
Annual rewards$188
Net annual value$188
Bilt Obsidian Card
5

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$360
+ Credits$10
\u2212 Annual fee$95
Net annual value$275
Citi Custom Cash Card
6

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($300/yr on $6,000 spend)
  2. 2.$30/yr DashPass Subscription
  3. 3.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on dining
No annual fee($18 in credits)
Annual rewards$300
+ Credits$18
Net annual value$318

Bonus rate on first $500/monthly, then base rate

Wells Fargo Autograph Visa Credit Card
7

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

No annual fee

VISA
Core Rate
4.5¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$270
+ Credits$1.60
Net annual value$271.60
No image
8

Bilt Palladium Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$40 in credits offset the $495 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$495/yr($40 in credits)
Annual rewards$360
+ Credits$40
\u2212 Annual fee$495
Net annual value-$95
American Express Green Card
9

American Express Green Card

Amex

3x Membership 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)

$18.90 in credits offset the $150 fee

AMEX
Core Rate
5.4¢
per dollar on dining
$150/yr($18.90 in credits)
Annual rewards$324.00
+ Credits$18.90
\u2212 Annual fee$150
Net annual value$192.90
Chase Sapphire Reserve
10

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.$25/yr Exclusive Tables Dining Credit
  3. 3.$25/yr DoorDash DashPass & Credits

$198 in credits offset the $795 fee

VISA
Core Rate
5.4¢
per dollar on dining
$795/yr($198 in credits)
Annual rewards$324.00
+ Credits$198
\u2212 Annual fee$795
Net annual value-$273
No image
11

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

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$150/yr($36.50 in credits)
Annual rewards$240
+ Credits$36.50
\u2212 Annual fee$150
Net annual value$126.50

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

Capital One Savor Cash Rewards Credit Card
12

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
4.0¢
per dollar on dining
No annual fee($71.93 in credits)
Annual rewards$240
+ Credits$71.93
Net annual value$311.93
Citi Strata Elite℠ Card
13

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$630.50 in credits fully offsets the $595 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$595/yr($630.50 in credits)
Annual rewards$270
+ Credits$630.50
\u2212 Annual fee$595
Net annual value$305.50
Pottery Barn Key Rewards Visa
14

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)

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
U.S. Bank Altitude Go Visa Signature Card
15

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)

No annual fee

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

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60

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

No image
16

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)

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
No image
17

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham 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)

$1.60 in credits offset the $75 fee

VISA
Core Rate
4.0¢
per dollar on dining
$75/yr($1.60 in credits)
Annual rewards$240
+ Credits$1.60
\u2212 Annual fee$75
Net annual value$166.60
Citi Strata Premier Card
18

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$270
+ Credits$10
\u2212 Annual fee$95
Net annual value$185
Wells Fargo Autograph Journey Visa Credit Card
19

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

$1.60 in credits offset the $95 fee

VISA
Core Rate
4.5¢
per dollar on dining
$95/yr($1.60 in credits)
Annual rewards$270
+ Credits$1.60
\u2212 Annual fee$95
Net annual value$176.60
Chase Freedom Flex
20

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.$20/yr DoorDash
  3. 3.$30/yr DashPass Subscription

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

Promotional rate — may be time-limited

MASTERCARD
Promotional
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $1,500/quarterly, then base rate

U.S. Bank Altitude Go® Secured Visa® Signature
21

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)

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
BMO Premium Rewards Mastercard®
22

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

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$95/yr
Annual rewards$240
\u2212 Annual fee$95
Net annual value$145

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

IHG One Rewards Premier Credit Card
23

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

MASTERCARD
Core Rate
3.0¢
per dollar on dining
$99/yr($3 in credits)
Annual rewards$180
+ Credits$3
\u2212 Annual fee$99
Net annual value$84
Marriott Bonvoy Bountiful Credit Card
24

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

$1.60 in credits offset the $250 fee

VISA
Core Rate
2.8¢
per dollar on dining
$250/yr($1.60 in credits)
Annual rewards$168
+ Credits$1.60
\u2212 Annual fee$250
Net annual value-$80.40

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

DoorDash Rewards Mastercard®
25

DoorDash Rewards Mastercard®

Chase

3x points on Dining via Direct

Why this card

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

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee($73.20 in credits)
Annual rewards$180
+ Credits$73.20
Net annual value$253.20
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26

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

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180
Navy Federal More Rewards® Card
27

Navy Federal More 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

VISA
Core Rate
3.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$180
+ Credits$1.60
Net annual value$181.60
Bank of America Customized Cash Rewards Credit Card
28

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points 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

VISA
Core Rate
3.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$180
+ Credits$1.60
Net annual value$181.60

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

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29

TD Cash Credit Card

Td Bank

3x Cashback 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

VISA
Core Rate
3.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$180
+ Credits$1.60
Net annual value$181.60
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30

Navy Federal More Rewards American Express®

Navy Federal

3x points on Dining

Why this card

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

No annual fee

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

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American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 7.2¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($432/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

AMEX
Core Rate
7.2¢
per dollar on dining
$325/yr($36 in credits)
Annual rewards$432
+ Credits$36
\u2212 Annual fee$325
Net annual value$143

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

Chase Sapphire Preferred Card
2

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

$6.60 in credits offset the $95 fee

VISA
Core Rate
5.4¢
per dollar on dining
$95/yr($6.60 in credits)
Annual rewards$324.00
+ Credits$6.60
\u2212 Annual fee$95
Net annual value$235.60
Bilt Blue Card
3

Bilt Blue Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
No annual fee
Annual rewards$360
Net annual value$360
Rakuten American Express Card
4

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

AMEX
Convertible
Core Rate
2.0–4.0¢
per dollar on dining
depending on redemption
No annual fee
Annual rewards$188
Net annual value$188
Bilt Obsidian Card
5

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$360
+ Credits$10
\u2212 Annual fee$95
Net annual value$275
Citi Custom Cash Card
6

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($300/yr on $6,000 spend)
  2. 2.$30/yr DashPass Subscription
  3. 3.$30/yr Instacart+ Savings

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on dining
No annual fee($18 in credits)
Annual rewards$300
+ Credits$18
Net annual value$318

Bonus rate on first $500/monthly, then base rate

Wells Fargo Autograph Visa Credit Card
7

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

No annual fee

VISA
Core Rate
4.5¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$270
+ Credits$1.60
Net annual value$271.60
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8

Bilt Palladium Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 6.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($360/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$40 in credits offset the $495 fee

MASTERCARD
Core Rate
6.0¢
per dollar on dining
$495/yr($40 in credits)
Annual rewards$360
+ Credits$40
\u2212 Annual fee$495
Net annual value-$95
American Express Green Card
9

American Express Green Card

Amex

3x Membership 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)

$18.90 in credits offset the $150 fee

AMEX
Core Rate
5.4¢
per dollar on dining
$150/yr($18.90 in credits)
Annual rewards$324.00
+ Credits$18.90
\u2212 Annual fee$150
Net annual value$192.90
Chase Sapphire Reserve
10

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.$25/yr Exclusive Tables Dining Credit
  3. 3.$25/yr DoorDash DashPass & Credits

$198 in credits offset the $795 fee

VISA
Core Rate
5.4¢
per dollar on dining
$795/yr($198 in credits)
Annual rewards$324.00
+ Credits$198
\u2212 Annual fee$795
Net annual value-$273
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11

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

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$150/yr($36.50 in credits)
Annual rewards$240
+ Credits$36.50
\u2212 Annual fee$150
Net annual value$126.50

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

Capital One Savor Cash Rewards Credit Card
12

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($240/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
4.0¢
per dollar on dining
No annual fee($71.93 in credits)
Annual rewards$240
+ Credits$71.93
Net annual value$311.93
Citi Strata Elite℠ Card
13

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$630.50 in credits fully offsets the $595 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$595/yr($630.50 in credits)
Annual rewards$270
+ Credits$630.50
\u2212 Annual fee$595
Net annual value$305.50
Pottery Barn Key Rewards Visa
14

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)

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
U.S. Bank Altitude Go Visa Signature Card
15

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)

No annual fee

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

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60

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

No image
16

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)

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
No image
17

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham 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)

$1.60 in credits offset the $75 fee

VISA
Core Rate
4.0¢
per dollar on dining
$75/yr($1.60 in credits)
Annual rewards$240
+ Credits$1.60
\u2212 Annual fee$75
Net annual value$166.60
Citi Strata Premier Card
18

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

$10 in credits offset the $95 fee

MASTERCARD
Core Rate
4.5¢
per dollar on dining
$95/yr($10 in credits)
Annual rewards$270
+ Credits$10
\u2212 Annual fee$95
Net annual value$185
Wells Fargo Autograph Journey Visa Credit Card
19

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($270/yr on $6,000 spend)

$1.60 in credits offset the $95 fee

VISA
Core Rate
4.5¢
per dollar on dining
$95/yr($1.60 in credits)
Annual rewards$270
+ Credits$1.60
\u2212 Annual fee$95
Net annual value$176.60
Chase Freedom Flex
20

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.$20/yr DoorDash
  3. 3.$30/yr DashPass Subscription

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

Promotional rate — may be time-limited

MASTERCARD
Promotional
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $1,500/quarterly, then base rate

U.S. Bank Altitude Go® Secured Visa® Signature
21

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)

No annual fee

VISA
Core Rate
4.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$240
+ Credits$1.60
Net annual value$241.60
BMO Premium Rewards Mastercard®
22

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

MASTERCARD
Core Rate
4.0¢
per dollar on dining
$95/yr
Annual rewards$240
\u2212 Annual fee$95
Net annual value$145

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

IHG One Rewards Premier Credit Card
23

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

MASTERCARD
Core Rate
3.0¢
per dollar on dining
$99/yr($3 in credits)
Annual rewards$180
+ Credits$3
\u2212 Annual fee$99
Net annual value$84
Marriott Bonvoy Bountiful Credit Card
24

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

$1.60 in credits offset the $250 fee

VISA
Core Rate
2.8¢
per dollar on dining
$250/yr($1.60 in credits)
Annual rewards$168
+ Credits$1.60
\u2212 Annual fee$250
Net annual value-$80.40

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

DoorDash Rewards Mastercard®
25

DoorDash Rewards Mastercard®

Chase

3x points on Dining via Direct

Why this card

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

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee($73.20 in credits)
Annual rewards$180
+ Credits$73.20
Net annual value$253.20
No image
26

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

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on dining
No annual fee
Annual rewards$180
Net annual value$180
Navy Federal More Rewards® Card
27

Navy Federal More 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

VISA
Core Rate
3.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$180
+ Credits$1.60
Net annual value$181.60
Bank of America Customized Cash Rewards Credit Card
28

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points 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

VISA
Core Rate
3.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$180
+ Credits$1.60
Net annual value$181.60

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

No image
29

TD Cash Credit Card

Td Bank

3x Cashback 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

VISA
Core Rate
3.0¢
per dollar on dining
No annual fee($1.60 in credits)
Annual rewards$180
+ Credits$1.60
Net annual value$181.60
No image
30

Navy Federal More Rewards American Express®

Navy Federal

3x points on Dining

Why this card

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

No annual fee

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