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Best credit cards for dining (October 2026)
Restaurants, takeout and delivery. Ranked by roughly how much you earn back at our point valuations. How we value points
- American Express Gold Card
4x on dining ≈ 8% back · $325 annual fee · Welcome offer worth about $2,000 · Earns Amex Membership Rewards · KritScore 73
- Chase Sapphire Preferred
3x on dining ≈ 6% back · $95 annual fee · Welcome offer worth about $1,500 · Earns Chase Ultimate Rewards · KritScore 84
- Chase Sapphire Reserve
3x on dining ≈ 6% back · $795 annual fee · Welcome offer worth about $2,000 · Earns Chase Ultimate Rewards · KritScore 68
- Bilt Obsidian Card
3x on dining ≈ 6% back · $95 annual fee · Earns Bilt Rewards · KritScore 31
- Citi Strata Premier
3x on dining ≈ 5.4% back · $95 annual fee · Welcome offer worth about $1,080 · Earns Citi ThankYou · KritScore 54
- Chase Aeroplan Card
3x on dining ≈ 4.5% back · $195 annual fee · Welcome offer worth about $1,125 · Earns Air Canada Aeroplan · KritScore 73
- Atmos Rewards Summit Visa Infinite
3x on dining ≈ 4.4% back · $395 annual fee · Welcome offer worth about $1,015 · Earns Alaska Mileage Plan · KritScore 56
What is the best credit card for dining?
On our ranking it is the American Express Gold Card: 4x on dining, about 8% back at our valuation of 2 cents per point, with a $325 annual fee.
How are these cards ranked?
By the approximate percentage you earn back in this category: the card’s earn rate multiplied by our editorial value for its points (cash-back cards at one cent per point). KritScore breaks ties.
Bonus categories can be limited (for example to bookings through the issuer’s travel portal, or capped per year), and offers change. Check each card’s current terms with the issuer before applying.
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