What credit card has the highest cash back on casual dining?

Bilt Obsidian Card ranks #1 in our scoring for casual dining at 6.6¢ 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 — Rakuten American Express Card earns 3.1¢ 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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Casual Dining merchants: where each card earns

Browse 10 merchants and sub-categories, then see which cards earn the most at each brand.

10 merchants·By CardRewards.ai Editorial·Data as of September 27, 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 6.6¢ per dollar, with a $95 annual fee.

Top brands across Casual Dining

WEWebstaurantStore
MAMarmiton
TUTundra Restaurant Supply
TRTrifecta Meal Delivery
BCbcbx.delivery

Flower Delivery

Top pick

Bilt Obsidian Card — 6.6¢ per dollar, $95 annual fee.

Other categories like Casual Dining

Coffee Shops Food Delivery Meal Kits Quick Service Restaurants Steakhouses

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 6.6¢ 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 — Rakuten American Express Card earns 3.1¢ 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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