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 November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
207 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.
Why this card
Why this card
Channel-restricted earning is not included because the purchase channel is unspecified.
Cardless
Why this card
Why this card
No annual fee
American Express
Why this card
Bonus rate on first $25,000/annual, then base rate
Cardless
Why this card
3X applies only if grocery replaces the default dining as the elected 3X category (switch within 30 days of opening or each January); grocery 3X is limited to $25,000 a year. 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.
Bonus rate on first $25,000/annual, then base rate
Capital One
Why this card
Wells Fargo
Why this card
No annual fee
Capital One
Why this card
Why this card
No annual fee
Why this card
Why this card
Bonus rate on first $2,000/quarterly, then base rate
Synchrony
Why this card
No annual fee
Why this card
Annual fee $795. Other listed credits: StubHub & viagogo Credit (up to $300/yr); Apple TV and Apple Music Subscriptions (up to $27/mo); Peloton Credits & Bonus Points (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
FNBO
Why this card
No annual fee
WebBank
Why this card
No annual fee
Bonus rate on first $300/monthly, then base rate
TD Bank
Why this card
No annual fee
Why this card
No annual fee
Bonus rate on first $1,000/quarterly, then base rate
Why this card
No annual fee
Bonus rate on first $3,000/annual, then base rate
Why this card
American Express
Why this card
Annual fee $95. Other listed credits: Disney Bundle Credit (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bonus rate on first $6,000/annual, then base rate
Why this card
Annual fee $595. Other listed credits: Up to $200 Annual Blacklane® Credit (up to $200/yr); Up to $200 Annual Splurge Credit℠ (up to $200/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
No annual fee
Why this card
No annual fee
Bank of America
Why this card
No annual fee
Bonus rate on first $2,500/quarterly, then base rate
Elan Financial
Why this card
No annual fee
Synchrony
Why this card
No annual fee
Capital One
Why this card
Wells Fargo
Why this card
U.S. Bank
Why this card
Annual fee $99. Other listed credits: Dealership Credit (up to $30); H.O.G. Membership Credit (up to $59); SiriusXM Membership Credit (up to $10/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
For this search, our top pick is the Citi Strata Premier, which earns 3x ThankYou Points on dining, worth about 5.1¢ per dollar at our 1.7¢ valuation. It has a $95 annual fee. If you'd rather not pay a fee, the Citi Strata earns 3x ThankYou Points on gas stations, worth about 5.1¢ per dollar at our 1.7¢ valuation.
