Best Credit Cards for Restaurants & Dining (2026)

Dining & Restaurants

Find the highest-earning credit cards for restaurants, takeout, and food delivery — ranked by points-per-dollar with real cash-back math.

Choose your wallet

1
American Express
Hilton Honors Aspire
$550 annual fee · earns Hilton Honors · at U.S. restaurants
7×
pts
2
Bilt
Bilt Blue Card
$0 annual fee · earns Bilt Rewards · Earn double points on Rent Day (the 1st of the month). Must make at least 5 transactions per billing cycle to earn points. Limit of 1,000 bonus points per Rent Day.
6×
pts
3
Bilt
Bilt Palladium Card
$495 annual fee · earns Bilt Rewards · Only valid on the 1st of the month (Rent Day). Must use the card at least 5 times during the billing cycle to earn points.
6×
pts
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4
American Express
Hilton Honors Surpass
$150 annual fee
6×
pts
5
Citi
Strata Elite
$145 annual fee
6×
pts
6
Chase
IHG One Rewards Premier
$99 annual fee
5×
pts
7
Barclays
Wyndham Rewards Earner Plus
$75 annual fee
4×
pts
8
American Express
Marriott Bonvoy Bevy
$250 annual fee
4×
pts
9
American Express
Gold
$325 annual fee
4×
pts

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