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.
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.
Credit Cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for the well-traveled foodie
If you’re a foodie who spends a lot of time dining out, you should use one of our picks for the best dining credit cards to maximize your rewards and score other great benefits such as access to hard-to-get reservations and more.
Some cards not only offer generous cash back and rewards points on dining out but also have you covered when you order takeout and delivery when you’re short on time or not up to cooking. Plus, some of the options on this list also double as great entertainment and travel cards, too, making it even easier to quickly rack up rewards.
MoreDetails
“More details on the best dining credit cards”
We included cards with strong earning rates when dining out to utilize on purchases at restaurants.
Our top picks range from no-annual-fee cards to those with higher fees and additional benefits to suit various budgets.
The cards selected include generous welcome offers that can be met at various spending thresholds, depending on your unique spending habits.
We selected cards that earn across a variety of currencies, such as transferable points and miles, cash back and hotel points. These open up various redemption options for your spending on dining and restaurants.
Many of the dining cards we picked come with additional benefits, such as credits and travel protections.
Among our readers, a staggering 80% have a credit card that features dining perks, including elevated earning rates on these purchases. In fact, our readers are such big fans of cards that offer dining benefits that another whopping 75% rank bonus earnings on dining purchases as a top-three priority when earning credit card rewards.
Look for a credit card offering attractive rewards or cash back for dining expenses. Consider the earning rate and whether it works with your dining spending habits. Some cards may offer higher rewards for dining, such as 2 or 3 points per dollar spent, allowing you to earn more points more quickly. Ensure the card is accepted at your favorite restaurants, cafes and bars, then evaluate the annual fee associated with the card. Compare the benefits and rewards offered against the fee to determine if it provides sufficient value. Finally, check if the card earns other benefits you may also value, such as travel or ride-hailing service credits.
Here are some of the main points to consider when choosing a dining credit card:
Seek out a card for dining that comes with a generous sign-up bonus. The reward you earn from meeting the bonus-earning threshold can be used for future travel or to pay down a balance, in the case of cash-back cards. Be sure you pick a card with a spending threshold that you can reach and with a currency you'll find valuable.
The dining cards featured come with various annual fees — from the higher end to the lower end. However, cards with higher annual fees often also offer strong protections on shopping and travel, in addition to other benefits. If you aren't interested in paying annually for your dining credit card, we included options for that as well.
The best cards to use for dining will typically earn bonus points, miles or cash back for eating out at restaurants. However, many of these cards also earn more in other bonus categories, such as supermarkets, travel or entertainment. Work to find a card that will maximize your earnings across the categories where you spend most frequently.
Get rewards for eating at restaurants
To maximize your rewards for eating out and food delivery, as well as saving you money on dining-related and other travel expenses, these are the best credit cards for dining:
Most rewards credit cards categorize traditional sit-down restaurants, cafes and fast food establishments as dining for rewards purposes. The categorization of restaurants can vary depending on the credit card issuer and the merchant category codes they use to classify transactions.
To determine whether a specific restaurant qualifies as dining for rewards on your credit card, you can check the credit card's terms and conditions or contact the issuer directly. It can provide specific information on categorizing dining expenses and which restaurants are eligible for rewards or benefits.
Generally, if a bar primarily focuses on serving food and offers a dining experience, it is more likely to be categorized as a restaurant for credit card purposes. However, suppose a bar primarily serves alcoholic beverages and does not offer a significant food menu or dining experience. In that case, some credit card issuers may not classify it as a restaurant.
To determine whether a specific bar is considered a dining establishment for your credit card, you can check with the credit card issuer or review the merchant category code associated with the bar's merchant account.
Credit card dining rewards often apply to takeout and delivery purchases. As the popularity of takeout and food delivery services has increased, credit card issuers have recognized this trend and expanded their dining rewards to include these types of transactions. However, it's important to note that each credit card's terms and conditions may vary.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Ben Smithson is a senior writer for TPG and is based in London. Originally from Australia and a qualified lawyer with a financial services background, he has almost a decade of experience writing about a broad range of travel and loyalty topics.
Madison Blancaflor is the managing editor for TPG's content operations team. She focuses on helping TPG's broader editorial team bring news, features and advice to readers. She has nearly six years of experience covering the credit cards and travel industries.
Compliance associate Paige Balcom joined TPG in 2022 and has spent her time working in the credit card industry reviewing content across sites such as CNET, CreditCards.com and Bankrate. She has used her knowledge to train new writers and other compliance members on the intricacies of compliance across multiple brands and partners.
Best for the well-traveled foodie
| Rate | Category |
|---|---|
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
As High As 100,000 points. Find Out Your Offer.
$325
See Pay Over Time APR
Excellent to Good
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Best for the well-traveled foodie
As High As 100,000 points. Find Out Your Offer.
$325
See Pay Over Time APR
Excellent to Good
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Best for earning AAdvantage miles without flying
| Rate | Category |
|---|---|
| 12X | Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com. |
| 6X | Earn 6 Points per $1 spent on Air Travel booked on cititravel.com. |
| 6X | Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time. |
| 1.5X | Earn 1.5 Points per $1 spent on All Other Purchases. |
Earn 75,000 bonus Points
$595
20.74% - 28.74% (Variable)
740-850
Excellent
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
Best for earning AAdvantage miles without flying
Earn 75,000 bonus Points
$595
20.74% - 28.74% (Variable)
740-850
Excellent
Citi Strata Elite℠ Card is a premium travel card that balances premium benefits alongside flexible lifestyle perks. It offers elevated earning rates on Citi Travel bookings, a generous mix of travel and lifestyle statement credits and exclusive 1:1 point transfers to American Airlines AAdvantage — something no other issuer currently provides. With unique benefits like four Admirals Club passes and elevated weekend dining rewards, the card delivers strong value for those who fly American Airlines a few times a year or frequently book through Citi’s travel portal. While the $595 annual fee is steep, the credits and perks can easily outweigh the cost for the right cardholder.
Best for beginners
| Rate | Category |
|---|---|
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, vacation homes, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs). |
| 2x | Earn 2x on all other travel purchases. |
| 1x | Earn 1x on all other purchases. |
75,000 bonus points
$95
19.24% - 27.49% Variable
670-850
Excellent/Good
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for beginners
75,000 bonus points
$95
19.24% - 27.49% Variable
670-850
Excellent/Good
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for flexible rewards earning
| Rate | Category |
|---|---|
| 4X | Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* |
| 3X | Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™ using your Business Gold Card.* |
| 1X | Earn 1X on all other eligible purchases. |
As High As 200,000 points. Find Out Your Offer.
$375
17.99% - 28.74% Variable
Excellent to Good
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the Amex Business Gold card.
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the Amex Business Gold card.
Best for flexible rewards earning
As High As 200,000 points. Find Out Your Offer.
$375
17.99% - 28.74% Variable
Excellent to Good
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the Amex Business Gold card.
Best for premium travel rewards for value
| Rate | Category |
|---|---|
| 8x | Earn 8x points on all purchases through Chase Travel℠, including The Edit℠. |
| 4x | Earn 4x points on flights and hotels booked direct. |
| 3x | Earn 3x points on dining worldwide. |
| 1x | Earn 1x points on all other purchases. |
100,000 bonus points
$795
19.49% - 27.99% Variable
740-850
Excellent
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,800 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,800 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Best for premium travel rewards for value
100,000 bonus points
$795
19.49% - 27.99% Variable
740-850
Excellent
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,800 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Best for travelers
| Rate | Category |
|---|---|
| 3X | Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. |
| 1X | Earn 1X points on other purchases |
20,000 bonus points
$0
18.74%, 24.74%, or 28.74% Variable APR
670-850
Excellent/Good
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Best for travelers
20,000 bonus points
$0
18.74%, 24.74%, or 28.74% Variable APR
670-850
Excellent/Good
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Best for Best hotel card for Hilton loyalists
| Rate | Category |
|---|---|
| 14X | Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio. |
| 7X | Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants. |
| 3X | Card Members can earn 3X Points on all other eligible purchases. |
Earn 200,000 Hilton Honors Bonus Points
$550
19.74%-28.74% Variable
Good to Excellent
Exceptional hotel perks, including Hilton Diamond status, an annual Free Night Reward and generous travel credits.
Exceptional hotel perks, including Hilton Diamond status, an annual Free Night Reward and generous travel credits.
Best for Best hotel card for Hilton loyalists
Earn 200,000 Hilton Honors Bonus Points
$550
19.74%-28.74% Variable
Good to Excellent
Exceptional hotel perks, including Hilton Diamond status, an annual Free Night Reward and generous travel credits.
Best for IHG loyalists who want valuable hotel perks
| Rate | Category |
|---|---|
| 28X | Earn up to 28X total points on stays at IHG Hotels & Resorts. |
| 6X | Earn 6X points on dining and all other travel, including rideshare. |
| 3X | Earn 3X points per $1 spent on all other purchases. |
Earn 200,000 bonus points
$350
19.24% - 27.74% Variable
Good Credit, Excellent Credit
The IHG One Rewards Premier Select Credit Card offers a robust collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Platinum Elite status, an anniversary free night worth up to 60,000 points, 20 elite night credits each year and a fourth Reward Night free on eligible award stays, plus valuable IHG and travel credits. (Partner offer)
The IHG One Rewards Premier Select Credit Card offers a robust collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Platinum Elite status, an anniversary free night worth up to 60,000 points, 20 elite night credits each year and a fourth Reward Night free on eligible award stays, plus valuable IHG and travel credits. (Partner offer)
Best for IHG loyalists who want valuable hotel perks
Earn 200,000 bonus points
$350
19.24% - 27.74% Variable
Good Credit, Excellent Credit
The IHG One Rewards Premier Select Credit Card offers a robust collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Platinum Elite status, an anniversary free night worth up to 60,000 points, 20 elite night credits each year and a fourth Reward Night free on eligible award stays, plus valuable IHG and travel credits. (Partner offer)
Best for starter travel
| Rate | Category |
|---|---|
| 10X | Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. |
| 3X | Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. |
| 1X | Earn 1 Point per $1 spent on all other purchases |
Earn 60,000 bonus ThankYou® Points
$95
19.74% - 27.74% (Variable)
670-850
Excellent, Good
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Best for starter travel
Earn 60,000 bonus ThankYou® Points
$95
19.74% - 27.74% (Variable)
670-850
Excellent, Good
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Best for premium travel perks and digital entertainment
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. |
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for premium travel perks and digital entertainment
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for earning rewards on dining, groceries and everyday essentials
| Rate | Category |
|---|---|
| 1.25X | Earn up to 1.25X points on rent and mortgage payments with no transaction fee |
| 1X | Earn 1X points on everyday purchases |
| 2X | Earn 2X points on travel |
| 3X | Earn 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year. |
$200 of Bilt Cash
$95
26.74 - 34.74% variable
Good Credit, Excellent Credit
The Bilt Obsidian Card is built for members who want to earn more from everyday spending categories like dining or groceries while still earning rewards on rent or mortgage payments. It offers elevated category earnings and added travel perks within the Bilt ecosystem.
The Bilt Obsidian Card is built for members who want to earn more from everyday spending categories like dining or groceries while still earning rewards on rent or mortgage payments. It offers elevated category earnings and added travel perks within the Bilt ecosystem.
Best for earning rewards on dining, groceries and everyday essentials
$200 of Bilt Cash
$95
26.74 - 34.74% variable
Good Credit, Excellent Credit
The Bilt Obsidian Card is built for members who want to earn more from everyday spending categories like dining or groceries while still earning rewards on rent or mortgage payments. It offers elevated category earnings and added travel perks within the Bilt ecosystem.
Best for Hilton loyalists
| Rate | Category |
|---|---|
| 12X | Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. |
| 6X | Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. |
| 4X | Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases. |
| 3X | Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. |
Earn 130,000 Hilton Honors Points + a Free Night Reward
$150
19.74%-28.74% Variable
Good to Excellent
If you’re looking to become a loyal Hilton guest and want a way to quickly achieve Hilton Gold status, consider applying for the Hilton Honors American Express Surpass Card that gives you complimentary status. Read our full review of the Hilton Honors American Express Surpass Card.
If you’re looking to become a loyal Hilton guest and want a way to quickly achieve Hilton Gold status, consider applying for the Hilton Honors American Express Surpass Card that gives you complimentary status. Read our full review of the Hilton Honors American Express Surpass Card.
Best for Hilton loyalists
Earn 130,000 Hilton Honors Points + a Free Night Reward
$150
19.74%-28.74% Variable
Good to Excellent
If you’re looking to become a loyal Hilton guest and want a way to quickly achieve Hilton Gold status, consider applying for the Hilton Honors American Express Surpass Card that gives you complimentary status. Read our full review of the Hilton Honors American Express Surpass Card.
Best for Air France-KLM loyalists
| Rate | Category |
|---|---|
| 3 miles | Earn 3 miles for every $1 spent on eligible Air France, KLM Royal Dutch Airlines and SkyTeam member airline purchases |
| 3 miles | Earn 3 miles for every $1 spent on eligible dining purchases |
| 1.5 miles | Earn 1.5 miles for every $1 spent on all other purchases |
Limited-time online offer – 70,000 Bonus Miles + 100 Experience Points
$89
19.74% - 27.74% Variable APR on purchases and balance transfers
670-850
Excellent/Good
The Air France KLM Visa Signature® credit card earns 3 miles per dollar spent on eligible Air France, KLM and SkyTeam airline purchases. It provides a status boost every account anniversary, with opportunities to earn additional boosts after reaching certain spending thresholds, plus 5,000 bonus anniversary miles after spending $50 in an account year. These benefits make it a solid choice for travelers who fly with Air France-KLM or other SkyTeam airlines.
The Air France KLM Visa Signature® credit card earns 3 miles per dollar spent on eligible Air France, KLM and SkyTeam airline purchases. It provides a status boost every account anniversary, with opportunities to earn additional boosts after reaching certain spending thresholds, plus 5,000 bonus anniversary miles after spending $50 in an account year. These benefits make it a solid choice for travelers who fly with Air France-KLM or other SkyTeam airlines.
Best for Air France-KLM loyalists
Limited-time online offer – 70,000 Bonus Miles + 100 Experience Points
$89
19.74% - 27.74% Variable APR on purchases and balance transfers
670-850
Excellent/Good
The Air France KLM Visa Signature® credit card earns 3 miles per dollar spent on eligible Air France, KLM and SkyTeam airline purchases. It provides a status boost every account anniversary, with opportunities to earn additional boosts after reaching certain spending thresholds, plus 5,000 bonus anniversary miles after spending $50 in an account year. These benefits make it a solid choice for travelers who fly with Air France-KLM or other SkyTeam airlines.
Best for small businesses
| Rate | Category |
|---|---|
| 6x | 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. |
| 4x | 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. |
| 2x | 2x points on all other eligible purchases. |
Earn 100,000 Marriott Bonvoy® bonus points and 1 Free Night Award
$125
19.74% - 28.74% Variable
Excellent to Good
The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.
The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.
Best for small businesses
Earn 100,000 Marriott Bonvoy® bonus points and 1 Free Night Award
$125
19.74% - 28.74% Variable
Excellent to Good
The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.
Best for foodies with no annual fee
| Rate | Category |
|---|---|
| 8% | Earn 8% cash back on Capital One Entertainment purchases |
| 5% | Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 3% | Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services |
| 1% | Earn 1% cash back on all other purchases |
Earn $200 Cash Back
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
With this card, you can maximize your purchases on four popular categories from dining, entertainment, popular streaming services to grocery stores. Read our full review of the Capital One Savor Cash Rewards Credit Card.
With this card, you can maximize your purchases on four popular categories from dining, entertainment, popular streaming services to grocery stores. Read our full review of the Capital One Savor Cash Rewards Credit Card.
Best for foodies with no annual fee
Earn $200 Cash Back
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
With this card, you can maximize your purchases on four popular categories from dining, entertainment, popular streaming services to grocery stores. Read our full review of the Capital One Savor Cash Rewards Credit Card.
What's your favorite dining credit card — and why?
American Express® Gold Card“This card is essential for me as I always eat out. It’s a solid earner at restaurants, U.S. supermarkets and even flights which is a nice added bonus since I travel frequently. The monthly Uber and dining credits are very easy to use making this a keeper card for me.”
Chase Sapphire Preferred® Card“I've found that many cards with solid dining rates come with higher annual fees, but the Chase Sapphire Preferred gets me 3 points per dollar every time I dine out for a lower annual fee than many others. Plus, I earn extra valuable Chase points every time I go to a restaurant.”
Chase Sapphire Reserve®“Every time I put my Sapphire Reserve down to pick up a meal tab, I earn 3 points per dollar. This makes it easy to rack up points I can later redeem for various purposes, my favorite being travel.”
Best for unlimited point earning
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
Best for unlimited point earning
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
American Express® Gold Card | the well-traveled foodie | As High As 100,000 points. Find Out Your Offer. | 1 - 5X points | $325 | Apply now at American Express's secure siteSee rates & fees |
Citi Strata Elite℠ Card | |||||
Chase Sapphire Preferred® Card | |||||
American Express® Business Gold Card | |||||
Chase Sapphire Reserve® | |||||
Wells Fargo Autograph® Card | |||||
Limited-Time Offer Hilton Honors American Express Aspire Card | |||||
Limited-Time Offer The Brand New IHG One Rewards Premier Select Credit Card | |||||
Citi Strata Premier® Card | |||||
American Express Platinum Card® | |||||
Bilt Obsidian Card | |||||
Wells Fargo Autograph Journey® Card | |||||
Limited-Time Offer Hilton Honors American Express Surpass® Card | |||||
Limited-Time Offer Air France KLM Visa Signature® credit card | |||||
Limited-Time Offer Marriott Bonvoy Business® American Express® Card | |||||
Capital One Savor Cash Rewards Credit Card |
| Rate | Category |
|---|---|
| 5X | Earn 5X points with hotels |
| 4X | Earn 4X points with airlines |
| 3X | Earn 3X points on restaurants and other travel |
| 1X | Earn 1X points on other purchases |
60,000 bonus points
$95
19.74%, 25.74%, or 28.74% Variable APR
670-850
Excellent/Good
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
60,000 bonus points
$95
19.74%, 25.74%, or 28.74% Variable APR
670-850
Excellent/Good
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
| earning AAdvantage miles without flying |
| Earn 75,000 bonus Points |
| 1.5 - 12X points |
| $595 |
| at Citi's secure siteSee rates & fees |
| beginners |
| 75,000 bonus points |
| 1 - 5X points |
| $95 |
| at Chase's secure siteSee rates & fees |
| flexible rewards earning |
| As High As 200,000 points. Find Out Your Offer. |
| 1 - 4X points |
| $375 |
| at American Express's secure siteSee rates & fees |
| premium travel rewards for value |
| 100,000 bonus points |
| 1 - 8X points |
| $795 |
| at Chase's secure siteSee rates & fees |
| travelers |
| 20,000 bonus points |
| 1 - 3X points |
| $0 |
| at Wells Fargo's secure siteSee rates & fees |
| Best hotel card for Hilton loyalists |
| Earn 200,000 Hilton Honors Bonus Points |
| 3 - 14X points |
| $550 |
| at American Express's secure siteSee rates & fees |
| IHG loyalists who want valuable hotel perks |
| Earn 200,000 bonus points |
| 3 - 28X points |
| $350 |
| at Chase's secure siteSee rates & fees |
| starter travel |
| Earn 60,000 bonus ThankYou® Points |
| 1 - 10X points |
| $95 |
| at Citi's secure siteSee rates & fees |
| premium travel perks and digital entertainment |
| As High As 175,000 points. Find Out Your Offer. |
| 5X points |
| $895 |
| at American Express's secure siteSee rates & fees |
| earning rewards on dining, groceries and everyday essentials |
| $200 of Bilt Cash |
| 1 - 3X points |
| $95 |
| at Bilt's secure siteSee rates & fees |
| unlimited point earning |
| 60,000 bonus points |
| 1 - 5X points |
| $95 |
| at Wells Fargo's secure siteSee rates & fees |
| Hilton loyalists |
| Earn 130,000 Hilton Honors Points + a Free Night Reward |
| 3 - 12X points |
| $150 |
| at American Express's secure siteSee rates & fees |
| Air France-KLM loyalists |
| Limited-time online offer – 70,000 Bonus Miles + 100 Experience Points |
| 1.5 - 3X miles |
| $89 |
| at Bank of America's secure site |
| small businesses |
| Earn 100,000 Marriott Bonvoy® bonus points and 1 Free Night Award |
| 2 - 6X points |
| $125 |
| at American Express's secure siteSee rates & fees |
| foodies with no annual fee |
| Earn $200 Cash Back |
| 1 - 8% cash-back |
| $0 |
| at Capital One's secure siteSee rates & fees |
