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.
Browse 64 merchants and sub-categories, then see which cards earn the most at each brand.
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 6.6¢ per dollar, with a $95 annual fee; we show one highlight here and link to the full category ranking when one exists.
Bilt Obsidian Card — 6.6¢ per dollar, $95 annual fee.
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