Casual Dining merchants: where each card earns
Browse 10 merchants and sub-categories, then see which cards earn the most at each brand.
10 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
Casual Dining groups 10 merchants — including the brands most readers ask about. Browse sub-categories and brands first; Bilt Obsidian Card is the current top pick at 6.0¢ per dollar, with a $95 annual fee.
Top 5 cards for Casual Dining
- 1Bilt Obsidian CardCardless3x Bilt Rewards on Dining · $95 annual fee
- 2American Express Gold CardAmerican Express4x Membership Rewards on Dining · $325 annual fee
- 3Chase Sapphire Preferred CardChase3x Ultimate Rewards on Dining · $95 annual fee
- 4Citi Strata Premier CardCiti3x ThankYou Points on Dining · $95 annual fee
- 5Wells Fargo Autograph Visa Credit CardWells Fargo3x Wells Fargo Rewards on Dining · no annual fee
Top brands across Casual Dining
Other categories like Casual Dining
Frequently asked
- What credit card has the highest cash back on casual dining?
- Bilt Obsidian Card ranks #1 in our scoring for casual 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 casual dining?
- Yes — Wells Fargo Autograph Visa Credit Card earns 4.3¢ per dollar on casual 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.
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