Best Cards for Dining

Compare reward rates across top credit cards for dining purchases.

Best Citi Custom Cash Card
Citi · No annual fee
5% on your single top eligible spend category per billing cycle (up to $500/month combined, then 1%). Only ONE category earns 5% per cycle.
Cap: $500.00/monthly
5%
American Express Gold Card
American Express · $325.00/yr
4x Membership Rewards points at restaurants worldwide including takeout and delivery
4%
Chase Freedom Flex
Chase · No annual fee
3%
Chase Freedom Unlimited
Chase · No annual fee
3%
Chase Sapphire Preferred
Chase · $95.00/yr
Points worth 1.25 cents each when redeemed through Chase Travel portal
3%
Capital One SavorOne Cash Rewards Credit Card
Capital One · No annual fee
3%
Costco Anywhere Visa Card by Citi
Citi · No annual fee
3% at restaurants worldwide. Requires active Costco membership ($65+/year).
3%
Bank of America Customized Cash Rewards Credit Card
Bank of America · No annual fee
3% on your chosen category (one of 6 options). Shares combined $2,500 quarterly cap with the 2% grocery/wholesale category, then 1%.
Cap: $2500.00/quarterly
3%
Amazon Prime Visa
Chase · No annual fee
2% back at restaurants
2%

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Rates verified as of March 2026. Always verify current terms with your card issuer — rates and offers change.