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Dining merchants: where each card earns

Browse 64 merchants and sub-categories, then see which cards earn the most at each brand.

64 merchantsBy CardRewards.ai EditorialData as of November 13, 2026

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

Dining covers 64 merchants across 6 sub-categories — from headline brands to specialty retailers. Use the directory below to jump into a sub-category or open a brand page for earn-rate context. Bilt Obsidian Card is our top-scoring card for dining spend at 6.0¢ per dollar, with a $95 annual fee; we show one highlight here and link to the full category ranking when one exists.

Top 5 cards for Dining

  1. 1
    Bilt Obsidian Card
    Bilt Obsidian CardCardless3x Bilt Rewards on Dining · $95 annual fee
  2. 2
    American Express Gold Card
    American Express Gold CardAmerican Express4x Membership Rewards on Dining · $325 annual fee
  3. 3
    Chase Sapphire Preferred Card
    Chase Sapphire Preferred CardChase3x Ultimate Rewards on Dining · $95 annual fee
  4. 4
    Citi Strata Premier Card
    Citi Strata Premier CardCiti3x ThankYou Points on Dining · $95 annual fee
  5. 5
    Wells Fargo Autograph Visa Credit Card
    Wells Fargo Autograph Visa Credit CardWells Fargo3x Wells Fargo Rewards on Dining · no annual fee
See the full ranking →

Browse by sub-category

Frequently asked

What credit card has the highest cash back on dining?
Bilt Obsidian Card ranks #1 in our scoring for dining at 6.0¢ per dollar — $95 annual fee. The ranking factors in earn rate, welcome offer value, and redemption flexibility, net of the fee.
Are there no-annual-fee cards good for dining?
Yes — Wells Fargo Autograph Visa Credit Card earns 4.3¢ per dollar on dining with no annual fee. It's the highest-ranking no-fee card in our scoring for this category.
How are these cards ranked?
Effective value per dollar — earn rate × points value (cents per point), plus amortized welcome offer value and credit offsets, net of the annual fee. Numbers reflect typical redemptions, not best-case outliers.
What's the most popular sub-category under Dining?
Quick Service Restaurants — 52 merchants. Drill in for category-specific recommendations.

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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.