Dining Best credit card for dining Every card in our verified catalog that multiplies dining, ranked by what a dollar of dining spending actually earns. Points and miles are valued at their program’s typical worth (transferable bank points 1.25¢, hotel points as little as 0.5¢), so a big multiplier on a weak currency doesn’t outrank honest cash back. Caps and annual fees are part of the math, not footnotes.
Card Rate Per $100 Cap Annual fee Gold CardAmerican Express · 1x after cap 4× $4.60 $50,000/yr $325 Altitude GoU.S. Bank · Dining, takeout and restaurant delivery. 4X applies to the first $2,000 of dining spend per calendar quarter (cap effective April 14, 2025); spend above the cap earns 1X. 4× $4.00 $2,000/qtr None Sapphire PreferredChase 3× $3.75 None $95 Sapphire ReserveChase 3× $3.75 None $795 World of HyattChase · Restaurants, including cafes and coffee shops. 2× $3.40 None $95 Freedom UnlimitedChase 3% $3.00 None None Freedom FlexChase 3% $3.00 None None SavorCapital One · Restaurants, cafes, bars, fast food and takeout 3% $3.00 None None Customized Cash RewardsBank of America · Only if selected as the single 'choice category'. Shares the $2,500/quarter combined bonus cap. 3% $3.00 $2,500/qtr None AutographWells Fargo · Restaurants, including dine-in, takeout, catering and delivery. Unlimited, no cap. 3× $3.00 None None Costco Anywhere VisaCiti · Restaurants worldwide including cafes, bars, lounges, fast food, takeout and delivery. Costco food court codes as a Costco purchase and earns 2%. 3% $3.00 None None Hilton Honors SurpassAmerican Express · U.S. restaurants only, including takeout and delivery 6× $3.00 None $150 AAdvantage Platinum SelectCiti · Restaurants 2× $3.00 None $99 Hilton HonorsAmerican Express · U.S. restaurants only, including takeout and delivery 5× $2.50 None None IHG One Rewards PremierChase · Restaurants including takeout and eligible delivery services. 5× $2.50 None $99 Delta SkyMiles GoldAmerican Express · Restaurants worldwide, including takeout and delivery in the U.S. 2× $2.40 None $150 Delta SkyMiles PlatinumAmerican Express · Restaurants worldwide, including takeout and delivery in the U.S. 2× $2.40 None $350 United ExplorerChase · Restaurants including eligible delivery services 2× $2.40 None $150 Marriott Bonvoy BoundlessChase · Restaurants/dining; $6,000 annual cap is COMBINED with the groceries and gas (transit) 3X categories, then drops to 2X. 3× $2.10 $6,000/yr $95 Premium RewardsBank of America · 2x on dining purchases, unlimited 2× $2.00 None $95 Amazon Prime VisaChase · Restaurants 2% $2.00 None None
The real answer depends on what else you spend This table ranks cards in isolation. Connect your bank and WhatCard ranks them against your actual spending, net of every fee, including when the answer is “keep the cards you have.”
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