Food, Beverages & Tobacco merchants: where each card earns
Browse 257 merchants and sub-categories, then see which cards earn the most at each brand.
257 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
Food, Beverages & Tobacco groups 257 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 Food, Beverages & Tobacco
- 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
Browse by sub-category
- Alcoholic Beverages0
- Bakery0
- Buttermilk0
- Candied & Chocolate Covered Fruit0
- Candy & Chocolate0
- Chewing Tobacco0
- Cigarettes0
- Cigars0
- Coffee0
- Condiments & Sauces0
- Cooking & Baking Ingredients0
- Dairy Products0
- Dips & Spreads0
- Eggnog0
- Food Gift Baskets0
- Frozen Desserts & Novelties0
- Fruit Flavored Drinks0
- Fruits & Vegetables0
- Grains, Rice & Cereal0
- Hot Chocolate0
- Juice0
- Loose Tobacco0
- Meat, Seafood & Eggs0
- Milk0
- Non-Dairy Milk0
- Nuts & Seeds0
- Pasta & Noodles0
- Powdered Beverage Mixes0
- Prepared Foods0
- Seasonings & Spices0
- Smoking Pipes0
- Snack Foods0
- Soda0
- Soups & Broths0
- Sports & Energy Drinks0
- Tea & Infusions0
- Tofu, Soy & Vegetarian Products0
- Vaporizers & Electronic Cigarettes0
- Vinegar Drinks0
- Water0
Top brands across Food, Beverages & Tobacco
Other categories like Food, Beverages & Tobacco
Frequently asked
- What credit card has the highest cash back on food, beverages & tobacco?
- Bilt Obsidian Card ranks #1 in our scoring for food, beverages & tobacco 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 food, beverages & tobacco?
- Yes — Wells Fargo Autograph Visa Credit Card earns 4.3¢ per dollar on food, beverages & tobacco 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 Food, Beverages & Tobacco?
- Alcoholic Beverages — 0 merchants. Drill in for category-specific recommendations.
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