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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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The dining statement credits that save me over $1,000 every year
TPG's director of travel content Eric Rosen has used points and miles to visit some of the world's most remote corners, including swimming with whale sharks off Western Australia's Ningaloo Coast, exploring the wilds of Botswana's Okavango Delta and tasting the high-altitude wines of Argentina's Mendoza region.
June 30, 2026 • 8 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Quick summary
Dining statement credits can significantly reduce the cost of eating out and food delivery, especially as restaurant prices rise.
Several premium travel rewards cards offer annual or monthly dining credits at select restaurants, food delivery services and coffee shops.
Maximizing these credits often requires little change to existing dining habits if you already frequent eligible merchants.
Some credits are split biannually or require enrollment, while others are applied monthly or tied to specific platforms like Resy or Grubhub.
What to consider
Eligibility for certain dining credits may be limited to specific restaurants, platforms or regions, and some require prior enrollment.
Some benefits are only available to existing cardholders or have expiration dates for new applicants.
Tracking usage and understanding redemption windows (monthly, biannual or annual) is essential to avoid missing out on savings.
What you'll miss from the article
Detailed strategies for seamlessly integrating dining credits into your routine and tips for choosing cards that align with your dining preferences.
Generated by AI with support from our editorial team.
I’m the type of traveler who will plan an entire trip around great meals.
I love experiencing destinations and cultures through their food, so whether I’m at home or on the road, dining out is one of my biggest expenses.
Dining out has only gotten more expensive in recent years. Fortunately, several of the travel rewards cards I carry offer dining statement credits that not only save me money on meals throughout the year but also help offset their annual fees.
Here are some of the cards I keep in my wallet specifically for their dining statement credits (among other reasons) and how I make sure to maximize them.
Cardholders can earn up to $300 in statement credits each calendar year split into two biannual credits of up to $150 each from January-June and July-December when using their card to pay for meals at Sapphire Reserve Exclusive Tables restaurants on OpenTable (no prepayment, payment or reservation through OpenTable is required).
CHASE
The program just started last year, but there are already eligible restaurants in dozens of U.S. cities.
My husband and I used one of these credits last fall at the fancy French-Californian bistro, Jeune et Jolie, in the coastal hamlet of Carlsbad, just north of San Diego. We used our first credit of 2026 at the one-Michelin-star Thai restaurant, Anajak, near our home in L.A.
Both were fabulous, and the $150 statement credit made the experience even sweeter.
I also make a point of using this benefit for restaurants I'd already planned to visit, rather than choosing one simply because it's eligible. That's how I make sure the credit saves me real money instead of encouraging extra spending.
Up to $100 in annual statement credits on dining at eligible U.S. Resy restaurants when you use your card to pay; up to $50 from January-June and up to $50 from July-December.
Up to $120 in annual statement credits (up to $10 per month) at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory and Wonder.
Up to $120 in Uber Cash ($10 per month) for U.S. Uber and Uber Eats orders†
Up to $84 per calendar year (up to $7 per month) in statement credits for U.S. Dunkin' purchases.
Also, in celebration of the Amex Gold's 60th anniversary, Amex is including a one-time statement credit of up to $96 for an annual Uber One membership (enroll by Oct. 30).
Those four benefits alone amount to $424 in annual value I can use, $520 if you include the one-time Uber One membership.
Enrollment is required for all benefits.
†Uber Cash will only be deposited into one Uber account when you add the Amex Gold as a payment method and redeem with any Amex card.
EUGENE GOLOGURSKY/RESY
I live in Los Angeles and regularly book restaurants through Resy, so that credit comes and goes before I even realize it most of the time. Most recently, I used it at an Italian restaurant, Funke in Beverly Hills, for my husband's birthday. Because I knew we were getting $50 off the final tally, we splurged on a few desserts.
My husband and I also regularly order from our favorite local Thai and Mediterranean restaurants on Grubhub and get up to $10 in statement credits every month.
I’ll admit, I don’t always get to a Dunkin’ to use that credit, but I do love popping in for a coffee when I see one.
Finally, although I sometimes use the card’s Uber credit for rides, more often than not, I’ll actually just put it toward an order from a great sandwich shop near me called Ggiata, which serves heaping subs. The bonus is that my order is usually delivered by a cute robot!
This is one of the easiest credits for me to maximize because I simply leave the card in my wallet and use it for one inexpensive restaurant purchase every month. I don't have to change my spending habits; I just have to remember which card to use.
Cardmembers can earn up to $25 in statement credits toward eligible restaurant purchases worldwide each calendar month. That's up to $300 in annual statement credits over 12 months, which is nearly half the card’s $650 annual fee (see rates and fees).
But even I sometimes forget that this card also offers a statement credit of up to $10 per monthly billing statement on eligible Grubhub purchases, totaling up to $120 per year. This benefit is no longer available to new cardmembers. Existing cardmembers who applied prior to Aug. 23 will receive the Grubhub benefit through Aug. 31, 2027.
Fortunately, because we already order through Grubhub regularly, remembering to use the credit usually doesn't require changing our routine. Combined with my Amex Gold's up to $10 monthly dining statement credit (which can be used with Grubhub), we receive up to $240 each year toward food delivery we'd be ordering anyway.
One card I'm considering for even bigger dining savings
While I don’t currently carry the American Express Platinum Card®, I’m thinking about getting it because of its benefits bonanza, one of which is up to $400 in statement credits per year when dining at eligible U.S. Resy restaurants.
AMERICAN EXPRESS
Cardholders get up to $100 in statement credits each quarter when using their card to pay at eligible U.S. restaurants affiliated with Resy (enrollment required). Simply pay with your Amex Platinum at an eligible U.S. Resy restaurant; no reservation is required.
So if you dine out at Resy restaurants, this can be a huge savings.
I’m personally considering whether I’ll maximize this card’s other benefits before applying, but the Resy credit alone has me thinking about it.
There’s no doubt that dining out has gotten more expensive lately. Fortunately, I save more than $1,000 each year on restaurants and food delivery without changing my habits.
While some credits are easy to use, others require monthly tracking. Still, given the value these perks offer for my specific needs, as well as the other benefits these cards offer, I plan to keep them in my wallet for the time being.
If you're considering a card with dining credits, I'd recommend focusing less on the dollar amount and more on whether you'll actually use the benefit. The best statement credit is the one you don't have to go out of your way to redeem.
For rates and fees of the Amex Gold card, click here. For rates and fees of the Marriott Bonvoy Brilliant Amex, click here.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
