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Best Credit Cards for dining credit

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 dining credit

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

Resolved as:All OtherKeyword
85%
129 matches671ms

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

The Platinum Card from American Express

Amex

1x Membership Rewards
1x × 1.5¢/pt = 1.5¢ per dollar

Why this card

  1. 1.$200/yr Resy Restaurant Credit
  2. 2.Platinum Nights by Resy

$1,197 in credits fully offsets the $895 fee

AMEX
1.5¢
per dollar
$895/yr($1,197 in credits)
Annual rewards$90
+ Credits$1,197
− Annual fee$895
Net annual value$392
Marriott Bonvoy Bountiful Credit Card
2

Marriott Bonvoy Bountiful Credit Card

Chase

2x Marriott Bonvoy
2x × 0.7¢/pt = 1.4¢ per dollar

Why this card

  1. 1.$90/yr $150 Annual Dining Credit
  2. 2.OpenTable Special Dining Events
  3. 3.$15/yr Complimentary DashPass for 12 Months
VISA
1.4¢
per dollar
$250/yr
Annual rewards$84
− Annual fee$250
Net annual value-$166
Citi Strata Elite℠ Card
3

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points
1.5x × 1.6¢/pt = 2.4¢ per dollar

Why this card

  1. 1.$30/yr Instacart+ Savings

$762.50 in credits fully offsets the $595 fee

MASTERCARD
2.4¢
per dollar
$595/yr($762.50 in credits)
Annual rewards$144
+ Credits$762.50
− Annual fee$595
Net annual value$311.50
Bilt Obsidian Card
4

Bilt Obsidian Card

Cardless

1x Bilt Rewards
1x × 2.2¢/pt = 2.2¢ per dollar

Why this card

  1. 1.$30/yr Instacart+ Savings

$20 in credits offset the $95 fee

MASTERCARD
2.2¢
per dollar
$95/yr($20 in credits)
Annual rewards$132.00
+ Credits$20
− Annual fee$95
Net annual value$57.00
Chase Sapphire Reserve
5

Chase Sapphire Reserve

Chase

1x Ultimate Rewards
1x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.$180/yr DoorDash DashPass & Credits

$810 in credits fully offsets the $795 fee

VISA
1.8¢
per dollar
$795/yr($810 in credits)
Annual rewards$108
+ Credits$810
− Annual fee$795
Net annual value$123
6

TD Double Up Credit Card

Td Bank

2% cash back

Why this card

  1. 1.OpenTable Special Dining Events

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
BJ's One+™ Mastercard®
7

BJ's One+™ Mastercard®

Capital One

2% cash back

Why this card

  1. 1.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
Wells Fargo Active Cash Card
8

Wells Fargo Active Cash Card

Wells Fargo

2% cash back
Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

Why this card

  1. 1.OpenTable Special Dining Events
  2. 2.Up to 1.6¢/pt via Choice Privileges

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
Fidelity Rewards Visa Signature Card
9

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back

Why this card

  1. 1.OpenTable Special Dining Events

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
U.S. Bank Smartly Visa Signature Card
10

U.S. Bank Smartly Visa Signature Card

Usbank

2% cash back

Why this card

  1. 1.OpenTable Special Dining Events

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
11

One Key+ Card

Wells Fargo

2% cash back

Why this card

  1. 1.$30/yr Instacart+ Savings
MASTERCARD
2.0¢
per dollar
$99/yr
Annual rewards$120
− Annual fee$99
Net annual value$21
British Airways Visa Signature® Credit Card
12

British Airways Visa Signature® Credit Card

Chase

1x British Airways Club
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Complimentary DashPass Membership
  2. 2.OpenTable Special Dining Events

$360 in credits fully offsets the $95 fee

VISA
1.0¢
per dollar
$95/yr($360 in credits)
Annual rewards$60
+ Credits$360
− Annual fee$95
Net annual value$325
Bank of America® Unlimited Cash Rewards for Students
13

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

1.5% cash back

Why this card

  1. 1.OpenTable Special Dining Events

No annual fee

VISA
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
Navy Federal Visa cashRewards Card
14

Navy Federal Visa cashRewards Card

Navy Federal

1.5% cash back

Why this card

  1. 1.OpenTable Special Dining Events

No annual fee

VISA
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
PayPal Cashback Mastercard
15

PayPal Cashback Mastercard

Synchrony

1.5% cash back

Why this card

  1. 1.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
Chase Sapphire Preferred Card
16

Chase Sapphire Preferred Card

Chase

1x Ultimate Rewards
1x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.$60/yr Complimentary DashPass Membership
  2. 2.OpenTable Special Dining Events

$74 in credits offset the $95 fee

VISA
1.8¢
per dollar
$95/yr($74 in credits)
Annual rewards$108
+ Credits$74
− Annual fee$95
Net annual value$87
17

PenFed Pathfinder Rewards Visa Signature Card

Penfed

1.5x Penfed Honors Advantage
1.5x × 0.9¢/pt = 1.3¢ per dollar

Why this card

  1. 1.OpenTable Special Dining Events

$50 in credits offset the $95 fee

VISA
1.3¢
per dollar
$95/yr($50 in credits)
Annual rewards$80.10
+ Credits$50
− Annual fee$95
Net annual value$35.10
Chase Freedom Flex
18

Chase Freedom Flex

Chase

1% cash back

Why this card

  1. 1.$30/yr DashPass Subscription
  2. 2.$20/yr DoorDash

No annual fee

MASTERCARD
1.0¢
per dollar
No annual fee
Annual rewards$60
Net annual value$60
Disney Visa Card
19

Disney Visa Card

Chase

1x Disney Rewards Dollars
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.OpenTable Special Dining Events
  2. 2.$5/yr DoorDash

No annual fee

VISA
1.0¢
per dollar
No annual fee
Annual rewards$60
Net annual value$60
H-D™ H.O.G.™ Elite Visa Signature®
20

H-D™ H.O.G.™ Elite Visa Signature®

Usbank

1x points

Why this card

  1. 1.OpenTable Special Dining Events

$104.50 in credits fully offsets the $99 fee

VISA
1.0¢
per dollar
$99/yr($104.50 in credits)
Annual rewards$60
+ Credits$104.50
− Annual fee$99
Net annual value$65.50
21

Verizon Visa Card

Synchrony

1% cash back

Why this card

  1. 1.OpenTable Special Dining Events

No annual fee

VISA
1.0¢
per dollar
No annual fee
Annual rewards$60
Net annual value$60
Atmos Rewards Ascent Visa Signature Card
22

Atmos Rewards Ascent Visa Signature Card

Bank Of America

1x Atmos Rewards
1x × 1.1¢/pt = 1.1¢ per dollar

Why this card

  1. 1.OpenTable Special Dining Events
VISA
1.1¢
per dollar
$95/yr
Annual rewards$66.00
− Annual fee$95
Net annual value-$29.00
Marriott Bonvoy Boundless Credit Card
23

Marriott Bonvoy Boundless Credit Card

Chase

2x Marriott Bonvoy
2x × 0.7¢/pt = 1.4¢ per dollar

Why this card

  1. 1.OpenTable Special Dining Events
  2. 2.$30/yr Complimentary DashPass Membership
  3. 3.$15/yr Instacart+ Membership & Credit

$50 in credits offset the $95 fee

VISA
1.4¢
per dollar
$95/yr($50 in credits)
Annual rewards$84
+ Credits$50
− Annual fee$95
Net annual value$39
24

Icelandair Premium Mastercard®

Fnbo

1x points

Why this card

  1. 1.$30/yr Instacart+ Savings
MASTERCARD
1.0¢
per dollar
$39/yr
Annual rewards$60
− Annual fee$39
Net annual value$21
Bank of America Travel Rewards Credit Card for Students
25

Bank of America Travel Rewards Credit Card for Students

Bank Of America

1.5x Bank of America Points
1.5x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.OpenTable Special Dining Events

No annual fee

VISA
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
Capital One Quicksilver Cash Rewards Credit Card
26

Capital One Quicksilver Cash Rewards Credit Card

Capital One

1.5% cash back

Why this card

  1. 1.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
Chase Freedom Unlimited
27

Chase Freedom Unlimited

Chase

1.5% cash back

Why this card

  1. 1.$30/yr DoorDash DashPass Subscription

No annual fee

VISA
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
Emirates Skywards Rewards World Elite Mastercard®
28

Emirates Skywards Rewards World Elite Mastercard®

Barclays

1x Emirates Skywards
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.$30/yr Instacart+ Savings
MASTERCARD
1.0¢
per dollar
$99/yr
Annual rewards$60
− Annual fee$99
Net annual value-$39
Aeroplan® Card
29

Aeroplan® Card

Chase

1x Aeroplan
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.$30/yr Instacart+ Savings
  2. 2.$8/yr DoorDash

$15 in credits offset the $195 fee

MASTERCARD
1.0¢
per dollar
$195/yr($15 in credits)
Annual rewards$60
+ Credits$15
− Annual fee$195
Net annual value-$120
World of Hyatt Credit Card
30

World of Hyatt Credit Card

Chase

1x World of Hyatt
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.$96/yr DashPass Subscription
  2. 2.OpenTable Special Dining Events
VISA
1.0¢
per dollar
$95/yr
Annual rewards$60
− Annual fee$95
Net annual value-$35