Best Credit Cards for Dining and Restaurants (2026)

By Bryce Casson, Founder · Cardocrat · Updated June 2026

The short answer: Dining is a near-universal bonus category and one of the most rewarding. the American Express® Gold tops our dining ranking.

Restaurants, takeout, bars, and most food-delivery services all code as dining, which makes a dining bonus easy to use. The best cards earn 3x to 5x on dining with no foreign transaction fees, so they work abroad too.

Dining bonuses rarely have caps, which is part of what makes them so valuable. We rank by the dining rate, valuing all points at a flat 1 cent.

Our top picks

1. American Express® Gold 4x on dining

The American Express® Gold has a $325 annual fee, plus a welcome offer of 100,000 Membership Rewards® Points.

4x points at U.S. restaurants
$120 dining credit ($10/month at Grubhub, The Cheesecake Factory & more)
$100 Resy credit ($50 semi-annually at Resy restaurants)
$120 dining credit ($10/month at Grubhub & more)

2. Robinhood Gold Card 3x on dining

The Robinhood Gold Card has a $50 annual fee, plus a welcome offer of 3% cash back on every purchase from day one.

3. Citi Strata Premier℠ 3x on dining

The Citi Strata Premier℠ has a $95 annual fee, plus a welcome offer of 60,000 ThankYou® Points.

3x ThankYou® Points on hotels, air travel, restaurants, supermarkets, and gas/EV charging

4. Chase Sapphire Preferred® 3x on dining

The Chase Sapphire Preferred® has a $95 annual fee, plus a welcome offer of 100,000 Ultimate Rewards® Points.

3x on dining worldwide
$10 monthly DoorDash credit on non-restaurant orders, plus complimentary DashPass (through December 2027)

5. Bank of America® Customized Cash Rewards 3x on dining

The Bank of America® Customized Cash Rewards has no annual fee, plus a welcome offer of $200 online cash rewards bonus.

3% cash back in your choice category: gas, online shopping, dining, travel, drug stores, or home improvement

Compare the top cards

Card	Rewards rate	Annual fee	Welcome offer
American Express® Gold	4x on dining	$325	100,000 Membership Rewards® Points
Robinhood Gold Card	3x on dining	$50	3% cash back on every purchase from day one
Citi Strata Premier℠	3x on dining	$95	60,000 ThankYou® Points
Chase Sapphire Preferred®	3x on dining	$95	100,000 Ultimate Rewards® Points
Bank of America® Customized Cash Rewards	3x on dining	No annual fee	$200 online cash rewards bonus

Rewards rates and offers verified June 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator.

Frequently asked questions

Does food delivery count as dining?

Usually yes. Most delivery services (DoorDash, Uber Eats, Grubhub) code as restaurants, so they earn the dining bonus. A few exceptions exist, so check your card's terms.

Do dining cards work at bars and coffee shops?

Generally yes. Bars, cafes, and fast food typically code as dining and earn the bonus rate.

Which earns more on dining, points or cash back?

It depends on redemption. A 4x points card can beat a 4 percent cash back card if you transfer points to airline or hotel partners for outsized value, but at a flat 1 cent per point they are equal.

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Bryce Casson, Founder of Cardocrat. Every card is ranked by what it actually returns, with all points valued at a flat 1 cent and offers verified against issuer sources. About the author.