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 a $325 annual fee, up to 100,000 membership rewards points after $8,000 in 6 months, and good to excellent credit.

Why it's #1

  • 4.0% back on dining
  • 4.0% on groceries
  • $120 dining credit
  • $1250 signup bonus*
Annual Fee$325
Base Rate1.0%
Signup BonusUp to 100,000 Membership Rewards points after $8,000 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, cashback match - all cash back earned in first year is doubled, and fair to good credit.

Why it's #2

  • 5.0% back on dining
  • 5.0% on groceries
  • No annual fee
Annual FeeNone
Base Rate1.0%
Signup BonusCashback Match - all cash back earned in first year is doubled
Credit Score670-850
Regular APR17.49% - 26.49%
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, cashback match - all cash back earned in first year is doubled, plus $20/year good grade reward, and fair credit.

Why it's #3

  • 5.0% back on dining
  • 5.0% on groceries
  • No annual fee
Annual FeeNone
Base Rate1.0%
Signup BonusCashback Match - all cash back earned in first year is doubled, plus $20/year good grade reward
Credit Score580-700
Regular APR16.49% - 25.49%
Apply Now →Full Review →
#4

Capital One SavorOne Cash Rewards

by Capital One

Capital One SavorOne Cash Rewards is a dining card from Capital One with no annual fee, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening, and fair to good credit.

Why it's #4

  • 3.0% back on dining
  • 3.0% on groceries
  • $250 signup bonus*
  • No annual fee
Annual FeeNone
Base Rate1.0%
Signup BonusEarn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Credit Score670-850
Regular APR18.49% - 28.49%
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
  • 2.0% 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 APR17.49% - 27.49%
Apply Now →Full Review →
#6

Citi Strata Premier Card

by Citi

Citi Strata Premier Card is a travel card from Citi with a $95 annual fee, 60,000 thankyou 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 ThankYou 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 after $500 in 3 months, 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 after $500 in 3 months
Credit Score670-850
Regular APR18.24% - 27.74%
Apply Now →Full Review →
#8

Chase Freedom Flex

by Chase

Chase Freedom Flex is a cashback card from Chase with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.

Why it's #8

  • 3.0% back on dining
  • $200 signup bonus*
  • No annual fee
Annual FeeNone
Base Rate1.0%
Signup Bonus$200 bonus after $500 in 3 months
Credit Score670-850
Regular APR18.24% - 27.74%
Apply Now →Full Review →
#9

Citi Strata Card

by Citi

Citi Strata Card is a cashback card from Citi with no annual fee, 20,000 bonus points after $1,000 in 3 months, and fair to good credit.

Why it's #9

  • 2.0% back on dining
  • 3.0% on groceries
  • $200 signup bonus*
  • No annual fee
Annual FeeNone
Base Rate1.0%
Signup Bonus20,000 bonus points after $1,000 in 3 months
Credit Score670-850
Regular APR18.49% - 28.49%
Apply Now →Full Review →
#10

Chase Sapphire Preferred

by Chase

Chase Sapphire Preferred is a travel card from Chase with a $95 annual fee, 100,000 bonus points after $5,000 in 3 months, and good to excellent credit.

Why it's #10

  • 3.0% back on dining
  • $1250 signup bonus*
Annual Fee$95
Base Rate1.0%
Signup Bonus100,000 bonus points after $5,000 in 3 months
Credit Score700-850
Regular APR19.24% - 27.49%
Apply Now →Full Review →