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Best Credit Cards for best rewards credit card

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 best rewards credit card

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

Resolved as:DiningConcept: Rewards Card+4 moreCached
75%
Scores include 5% Rakuten Dining portal stacking on all cards
Not right? Try:
209 matches2811ms

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

1

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

  1. 1.$240/yr $300 Annual Capital One Travel Credit
  2. 2.Primary Auto Rental Collision Damage Waiver
  3. 3.Capital One Lounge Access
  4. 4.Priority Pass Lounge Access
  5. 5.$72/yr Global Entry or TSA PreCheck Credit
VISA
4.7¢
per dollar on dining
$395/yr
Annual rewards$283.94
− Annual fee$395
Net annual value-$111.06
2

Bilt Palladium Card

Cardless

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

Why this card

  1. 1.$200/yr $400 Bilt Travel Hotel credit
  2. 2.$100/yr $200 of Bilt Cash
  3. 3.Priority Pass Airport Lounge Access
  4. 4.MasterRental Coverage
  5. 5.Mastercard Travel & Lifestyle Services
MASTERCARD
4.4¢
per dollar on dining
$495/yr
Annual rewards$264
− Annual fee$495
Net annual value-$231
Citi Strata Premier Card
3

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 ($265.92/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.$30/yr Instacart+ Savings
  4. 4.$20/yr Lyft Credits
  5. 5.$15/yr Mastercard Transit Benefit
MASTERCARDCore Rate
4.4¢
per dollar on dining
$95/yr
Annual rewards$265.92
− Annual fee$95
Net annual value$170.92
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 ($131.60/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$131.60
Net annual value$131.60
Chase Sapphire Preferred Card
5

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 ($239.54/yr on $6,000 spend)
  2. 2.Complimentary 4th night at Ennismore Hotel properties
  3. 3.Auto Rental Coverage
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.$60/yr Complimentary DashPass Membership
VISACore Rate
4.0¢
per dollar on dining
$95/yr($7.20 in credits)
Annual rewards$239.54
+ Credits$7.20
− Annual fee$95
Net annual value$151.74
American Express Gold Card
6

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 ($218.52/yr on $6,000 spend)
  2. 2.$60/yr $120 Dining Credit
  3. 3.$50/yr $100 Resy Credit
  4. 4.$60/yr $120 Uber Cash
  5. 5.$42/yr $84 Dunkin' Credit
AMEXCore Rate
3.6¢
per dollar on dining
$325/yr
Annual rewards$218.52
− Annual fee$325
Net annual value-$106.48

Bonus rate on first $25,000/annual, then base rate

Bilt Obsidian Card
7

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 ($239.98/yr on $6,000 spend)
  2. 2.$20/yr $100 of Bilt Travel Hotel credit
  3. 3.$30/yr Instacart+ Savings
  4. 4.MasterRental Coverage
  5. 5.$20/yr Lyft Credits
MASTERCARDCore Rate
4.0¢
per dollar on dining
$95/yr
Annual rewards$239.98
− Annual fee$95
Net annual value$144.98

Bonus rate on first $25,000/annual, then base rate

8

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($168.00/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.OpenTable Special Dining Events
  4. 4.Visa Signature Rental Car Privileges

No annual fee

VISACore Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$168.00
Net annual value$168.00
Citi Strata Elite℠ Card
9

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 ($172.80/yr on $6,000 spend)
  2. 2.Priority Pass™ Select membership
  3. 3.$150/yr Up to $300 Annual Hotel Benefit
  4. 4.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
  5. 5.American Airlines Admirals Club® Lounge Access Passes
MASTERCARDCore Rate
2.9¢
per dollar on dining
$595/yr($597.50 in credits)
Annual rewards$172.80
+ Credits$597.50
− Annual fee$595
Net annual value$175.30
Citi Strata Credit Card
10

Citi Strata Credit 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 ($200.06/yr on $6,000 spend)
  2. 2.$50/yr $300 Annual Travel Credit
  3. 3.Citi Travel®

No annual fee

MASTERCARDCore Rate
3.3¢
per dollar on dining
No annual fee
Annual rewards$200.06
Net annual value$200.06
U.S. Bank Altitude Connect Visa Signature Card
11

U.S. Bank Altitude Connect 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 ($132.96/yr on $6,000 spend)
  2. 2.Rental Car Damage Coverage
  3. 3.$72/yr TSA PreCheck® or Global Entry®
  4. 4.$60/yr TSA PreCheck or Global Entry Credit
  5. 5.Auto Rental Collision Damage Waiver
VISACore Rate
2.2¢
per dollar on dining
No annual fee
Annual rewards$132.96
Net annual value$132.96

Bonus rate on first $1,000/quarterly, then base rate

Capital One VentureOne Rewards Credit Card
12

Capital One VentureOne Rewards Credit Card

Capital One

1.25x Venture Miles on Dining
1.25x × 1.9¢/pt = 2.3¢ per dollar

Why this card

  1. 1.Mastercard Travel & Lifestyle Services

No annual fee

MASTERCARD
2.7¢
per dollar on dining
No annual fee
Annual rewards$161.23
Net annual value$161.23
13

PenFed Platinum Rewards Visa Signature® Card

Penfed

5x points on Dining

Why this card

  1. 1.5x on Dining ($156.00/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.OpenTable Special Dining Events
  4. 4.Visa Signature Rental Car Privileges

No annual fee

VISACore Rate
2.6¢
per dollar on dining
No annual fee
Annual rewards$156.00
Net annual value$156.00
14

Wyndham Rewards Earner Plus Card

Barclays

6x Wyndham Rewards on Dining
6x × 0.7¢/pt = 4.2¢ per dollar

Why this card

  1. 1.6x on Dining — points worth 0.7¢ each ($120.62/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.OpenTable Special Dining Events
  5. 5.Visa Signature Rental Car Privileges
VISACore Rate
2.0¢
per dollar on dining
$95/yr
Annual rewards$120.62
− Annual fee$95
Net annual value$25.62
Chase Sapphire Reserve
15

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 ($183.86/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.Priority Pass Select Membership
  5. 5.Chase Sapphire Lounge by The Club
VISACore Rate
3.1¢
per dollar on dining
$795/yr($14.40 in credits)
Annual rewards$183.86
+ Credits$14.40
− Annual fee$795
Net annual value-$596.74
16

One Key+ Card

Wells Fargo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($156.00/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.$30/yr Instacart+ Savings
  4. 4.$20/yr Lyft Credits
  5. 5.$15/yr Mastercard Transit Benefit
MASTERCARDCore Rate
2.6¢
per dollar on dining
$99/yr
Annual rewards$156.00
− Annual fee$99
Net annual value$57.00
Fidelity Rewards Visa Signature Card
17

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back on Dining

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.OpenTable Special Dining Events
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
2.0¢
per dollar on dining
No annual fee
Annual rewards$120.00
Net annual value$120.00
Wells Fargo Autograph Visa Credit Card
18

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 ($141.30/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.OpenTable Special Dining Events
  4. 4.Visa Signature Rental Car Privileges
  5. 5.Up to 1.6¢/pt via Choice Privileges

No annual fee

VISACore Rate
2.4¢
per dollar on dining
No annual fee
Annual rewards$141.30
Net annual value$141.30
Aeroplan® Card
19

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 ($108.00/yr on $6,000 spend)
  2. 2.Free First Checked Bags
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits
MASTERCARDCore Rate
1.8¢
per dollar on dining
$195/yr($15 in credits)
Annual rewards$108.00
+ Credits$15
− Annual fee$195
Net annual value-$72.00
BMO Premium Rewards Mastercard®
20

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($153.36/yr on $6,000 spend)
MASTERCARDCore Rate
2.6¢
per dollar on dining
$95/yr
Annual rewards$153.36
− Annual fee$95
Net annual value$58.36

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

Marriott Bonvoy Bountiful Credit Card
21

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 ($117.60/yr on $6,000 spend)
  2. 2.$90/yr $150 Annual Dining Credit
  3. 3.Marriott Bonvoy Gold Elite Status
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.OpenTable Special Dining Events
VISACore Rate
2.0¢
per dollar on dining
$250/yr
Annual rewards$117.60
− Annual fee$250
Net annual value-$132.40

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

22

TD Cash Credit Card

Td Bank

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($134.16/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.OpenTable Special Dining Events
  4. 4.Visa Signature Rental Car Privileges

No annual fee

VISACore Rate
2.2¢
per dollar on dining
No annual fee
Annual rewards$134.16
Net annual value$134.16
Gemini Credit Card
23

Gemini Credit Card

Genesis Fs

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($136.32/yr on $6,000 spend)

No annual fee

MASTERCARDCore Rate
2.3¢
per dollar on dining
No annual fee
Annual rewards$136.32
Net annual value$136.32

Bonus rate on first $300/monthly, then base rate

24

Navy Federal More Rewards American Express®

Navy Federal

3x points on Dining

Why this card

  1. 1.3x on Dining ($134.88/yr on $6,000 spend)
  2. 2.Car Rental Loss and Damage Insurance

No annual fee

AMEXCore Rate
2.2¢
per dollar on dining
No annual fee
Annual rewards$134.88
Net annual value$134.88
DoorDash Rewards Mastercard®
25

DoorDash Rewards Mastercard®

Chase

3x points on Dining via Direct

Why this card

  1. 1.3x on Dining ($96.00/yr on $6,000 spend)
  2. 2.$153/yr 10% Monthly Grocery Discount
  3. 3.Auto Rental Coverage

No annual fee

MASTERCARDCore Rate
1.6¢
per dollar on dining
No annual fee($3.84 in credits)
Annual rewards$96.00
+ Credits$3.84
Net annual value$99.84
26

Sam's Club Mastercard

Synchrony

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($132/yr on $6,000 spend)

No annual fee

MASTERCARDCore Rate
2.2¢
per dollar on dining
No annual fee
Annual rewards$132
Net annual value$132

Bonus rate on first $6,000/annual, then base rate

H-D™ H.O.G.™ Elite Visa Signature®
27

H-D™ H.O.G.™ Elite Visa Signature®

Usbank

5x points on Dining

Why this card

  1. 1.5x on Dining ($122.16/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.OpenTable Special Dining Events
  4. 4.Visa Signature Rental Car Privileges

$104.50 in credits fully offsets the $99 fee

VISACore Rate
2.0¢
per dollar on dining
$99/yr($104.50 in credits)
Annual rewards$122.16
+ Credits$104.50
− Annual fee$99
Net annual value$127.66
Bank of America Customized Cash Rewards Credit Card
28

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 ($122.16/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.OpenTable Special Dining Events
  4. 4.Visa Signature Rental Car Privileges
  5. 5.$5/yr Booking.com Travel Credits
VISACore Rate
2.0¢
per dollar on dining
No annual fee
Annual rewards$122.16
Net annual value$122.16

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

Synchrony Premier Mastercard
29

Synchrony Premier Mastercard

Synchrony

2% cash back on Dining

Why this card

    No annual fee

    MASTERCARD
    2.0¢
    per dollar on dining
    No annual fee
    Annual rewards$120.00
    Net annual value$120.00
    30

    MGM Rewards Iconic World Elite Mastercard®

    Fnbo

    2x MGM Rewards on Dining
    2x × 1.0¢/pt = 2.0¢ per dollar

    Why this card

    1. 1.2x on Dining — points worth 1.0¢ each ($98.16/yr on $6,000 spend)
    2. 2.$120/yr Resort Credit
    3. 3.$30/yr Instacart+ Savings
    4. 4.Global Entry or TSA PreCheck®
    5. 5.$20/yr Lyft Credits
    MASTERCARDCore Rate
    1.6¢
    per dollar on dining
    $249/yr
    Annual rewards$98.16
    − Annual fee$249
    Net annual value-$150.84