Best Dining Credit Cards of 2026

Love eating out? These cards reward you the most at restaurants, takeout, and food delivery services with elevated earning rates and dining perks.

How We Rank

Cards are scored using category-specific metrics — not just the generic reward rate. Each card earns points for relevant category rewards, perks, signup bonuses, fees, and benefits that matter most for this use case. Cards from any issuer or category can qualify if they score well.

#1

American Express Gold Card

by American Express

American Express Gold Card is a dining card from American Express with no annual fee, 60,000 points after $6,000 in 6 months, and good to excellent credit.

Why it's #1

  • 4.0% back on dining
  • 4.0% on groceries
  • $120 dining credit
  • $750 signup bonus
  • No annual fee
Annual FeeNone
Base Rate1.0%
Signup Bonus60,000 points after $6,000 in 6 months
Credit Score700–850
Regular APR19.49% – 28.49%
Apply Now →Full Review →
#2

Discover it Cash Back

by Discover

Discover it Cash Back is a cashback card from Discover with no annual fee, earn $50 cash back, and fair to good credit.

Why it's #2

  • 5.0% back on dining
  • 5.0% on groceries
  • 5.0% on everything else
  • $50 signup bonus
  • No annual fee
Annual FeeNone
Base Rate5.0%
Signup Bonusearn $50 cash back
Credit Score670–850
Regular APR17.24% – 28.24%
Apply Now →Full Review →
#3

Discover it Student Cash Back

by Discover

Discover it Student Cash Back is a student card from Discover with no annual fee, $10 cash back, and fair credit.

Why it's #3

  • 5.0% back on dining
  • 5.0% on groceries
  • 5.0% on everything else
  • $10 signup bonus
  • No annual fee
Annual FeeNone
Base Rate5.0%
Signup Bonus$10 cash back
Credit Score580–700
Regular APR17.24% – 26.24%
Apply Now →Full Review →
#4

Chase Freedom Flex

by Chase

Chase Freedom Flex is a cashback card from Chase with no annual fee, $200 bonus, and fair to good credit.

Why it's #4

  • 3.0% back on dining
  • 5.0% on everything else
  • $200 signup bonus
  • No annual fee
Annual FeeNone
Base Rate5.0%
Signup Bonus$200 bonus
Credit Score670–850
Regular APR20.49% – 29.24%
Apply Now →Full Review →
#5

Bank of America Customized Cash Rewards

by Bank of America

Bank of America Customized Cash Rewards is a cashback card from Bank of America with no annual fee, $200 bonus after $1,000 in 3 months, and fair to good credit.

Why it's #5

  • 3.0% back on dining
  • 3.0% on groceries
  • $200 signup bonus
  • No annual fee
Annual FeeNone
Base Rate1.0%
Signup Bonus$200 bonus after $1,000 in 3 months
Credit Score670–850
Regular APR18.24% – 28.24%
Apply Now →Full Review →
#6

Citi Premier Card

by Citi

Citi Premier Card is a travel card from Citi with a $95 annual fee, 60,000 points after $4,000 in 3 months, and good to excellent credit.

Why it's #6

  • 3.0% back on dining
  • 3.0% on groceries
  • $750 signup bonus
Annual Fee$95
Base Rate1.0%
Signup Bonus60,000 points after $4,000 in 3 months
Credit Score700–850
Regular APR20.24% – 28.24%
Apply Now →Full Review →
#7

Chase Freedom Unlimited

by Chase

Chase Freedom Unlimited is a cashback card from Chase with no annual fee, $200 bonus, and fair to good credit.

Why it's #7

  • 3.0% back on dining
  • 1.5% on everything else
  • $200 signup bonus
  • No annual fee
Annual FeeNone
Base Rate1.5%
Signup Bonus$200 bonus
Credit Score670–850
Regular APR20.49% – 29.24%
Apply Now →Full Review →
#8

Chase Sapphire Preferred

by Chase

Chase Sapphire Preferred is a travel card from Chase with a $95 annual fee, earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening, and good to excellent credit.

Why it's #8

  • 3.0% back on dining
  • $5000 signup bonus
Annual Fee$95
Base Rate1.0%
Signup BonusEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Credit Score700–850
Regular APR29.99%
Apply Now →Full Review →
#9

Chase Sapphire Reserve

by Chase

Chase Sapphire Reserve is a travel card from Chase with a $795 annual fee, 150,000 points after you spend $6,000 in purchases in the first 3 months from account opening* $3,000, and good to excellent credit.

Why it's #9

  • 3.0% back on dining
  • $300 dining credit
  • $6000 signup bonus
Annual Fee$795
Base Rate1.0%
Signup Bonus150,000 points after you spend $6,000 in purchases in the first 3 months from account opening* $3,000
Credit Score720–850
Regular APR29.99%
Apply Now →Full Review →
#10

Blue Cash Preferred Card from American Express

by American Express

Blue Cash Preferred Card from American Express is a cashback card from American Express with a $95 annual fee, $350 back after $3,000 in 6 months, and good to excellent credit.

Why it's #10

  • 6.0% on groceries
  • 6.0% on everything else
  • $350 signup bonus
Annual Fee$95
Base Rate6.0%
Signup Bonus$350 back after $3,000 in 6 months
Credit Score700–850
Regular APR19.49% – 28.49%
Apply Now →Full Review →