Best cards for dining

Restaurants, bars, cafes, fast food, food delivery (DoorDash/UberEats code as dining on most cards).

  1. 1

    American Express Gold Card

    American Express · AMEX

    4x
  2. 2

    U.S. Bank Altitude Go Visa Signature Card

    U.S. Bank · VISA · Spending cap applies · Lower rate after the cap

    4x
  3. 3

    Bank of America Customized Cash Rewards

    Bank of America · VISA · Choose this category · Cap (combined) · Lower rate after the cap

    3%
  4. 4

    Capital One Savor Cash Rewards (formerly SavorOne)

    Capital One · MASTERCARD

    3%
  5. 5

    Chase Freedom Flex

    Chase · MASTERCARD

    3x
  6. 6

    Chase Freedom Unlimited

    Chase · VISA

    3x
  7. 7

    Chase Sapphire Preferred

    Chase · VISA

    3x
  8. 8

    Chase Sapphire Reserve

    Chase · VISA

    3x
  9. 9

    Costco Anywhere Visa Card by Citi

    Citi · VISA

    3%
  10. 10

    Costco Anywhere Visa Business Card by Citi

    Citi · VISA

    3%
  11. 11

    Citi Strata Premier Card

    Citi · MASTERCARD

    3x
  12. 12

    U.S. Bank Business Triple Cash Rewards Visa

    U.S. Bank · VISA

    3%

Common questions

What is the best credit card for dining?
American Express Gold Card leads with 4x.
How does SwipeCaddy pick the best dining card?
We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and surface the fine print so the "best" rate is one you can actually get.

Rankings reflect published earn rates and a conservative valuation of each rewards currency. SwipeCaddy earns no affiliate commission.