The Points Pro

Best card for dining

The cards we track, ranked by what they earn on dining, with the credits and perks that sweeten the category.

Which card is best for dining? The ranking below scores each card's dining rate in cents per dollar at published point valuations; the calculator does the same across your whole monthly spend.

Cards with this credit

  • American Express Platinum Card $400/yr
    Get up to $100 in statement credits each quarter for eligible purchases with Resy, including dining at over 10,000 qualifying U.S. Resy restaurants.
    $100 quarterly
    View
  • Chase Sapphire Reserve $300/yr
    Up to $150 in statement credits January-June and again July-December (max $300 annually) for dining at restaurants in the Sapphire Exclusive Tables program on OpenTable.
    $300 calendar year
    View

Which card

  • American Express Platinum Card
    $100 credit (Quarterly)
    Get up to $100 in statement credits each quarter for eligible purchases with Resy, including dining
    View
  • Chase Sapphire Reserve
    $300 credit (Calendar Year)
    Up to $150 in statement credits January-June and again July-December (max $300 annually) for dining
    View
  • Marriott Bonvoy Brilliant Card
    $25 credit (Monthly)
    Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases
    View
  • Chase Sapphire Reserve Business Card
    $25 credit (Monthly)
    DashPass members get up to $25 each month on DoorDash: a $5 monthly promo for restaurant orders and
    View
  • Citi Strata Elite Card
    6.00x Restaurants
    ~11.40¢/$ in Citi's rewards currency
    View
  • Delta SkyMiles Reserve Business Card
    $20 credit (Monthly)
    Earn up to $240 back in statement credits annually at over 10,000 qualifying U.S. Resy restaurants a
    View
  • Delta SkyMiles Reserve Card
    $20 credit (Monthly)
    Earn up to $20 per month in statement credits on eligible purchases at over 10,000 qualifying U.S. R
    View
  • American Express Gold Card
    4.00x Restaurants
    ~8.00¢/$ in American Express's rewards currency
    View
  • Bilt Obsidian Card
    3.00x Restaurants
    ~6.60¢/$ in BILT's rewards currency
    View
  • Chase Sapphire Preferred
    3.00x Restaurants
    ~6.15¢/$ in Chase's rewards currency
    View
  • Citi Strata Premier Card
    3.00x Restaurants
    ~5.70¢/$ in Citi's rewards currency
    View
  • Wells Fargo Autograph Journey Card
    3.00x Restaurants
    ~5.25¢/$ in Wells Fargo's rewards currency
    View

Cards with this benefit

  • Bilt Obsidian Card More perks
    Earn up to 6X points at Bilt Neighborhood Dining partner restaurants.
    And 1 more matching benefit on this card
    View
  • Capital One SavorOne More perks
    Enjoy comprehensive, personalized assistance in dining, entertainment and travel, 24 hours a day, 365 days a year.
    And 1 more matching benefit on this card
    View
  • American Express Platinum Card Experiences & concierge
    Curated event experiences from sporting, fashion, fine dining, art, and performances exclusively for Platinum Card Members.
    View
  • Bank of America Premium Rewards Card More perks
    Earn unlimited 2 points for every $1 spent on travel and dining purchases.
    View
  • Bilt Palladium Card More perks
    Earn up to 5X points at Bilt Neighborhood Dining partner restaurants, 2X base plus a 2X to 3X bonus that varies by restaurant.
    View
  • Capital One Venture X Card Experiences & concierge
    Cardholders can experience events across music, sports and dining with exclusive access to pre-sales, tickets, and more, plus earn 5X miles on Capital One Entertainment purchases.
    View
  • Chase Sapphire Reserve Business Card Experiences & concierge
    24/7 assistance from Visa Infinite Concierge for booking dining, entertainment, and travel. Cardmember responsible for cost of goods/services purchased.
    View
  • Delta SkyMiles Reserve Card Experiences & concierge
    Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when adding the Card to your Resy profile.
    View

Learn

  • Stacking Rewards Lesson, phase 2: Accumulation
    Dining programs run themselves.
    Section: Dining programs run themselves
    Read the lesson
  • Maximizing Everyday Spending Lesson, phase 2: Accumulation
    Groceries and dining over a year: flat rate card versus category multiplier .
    Read the lesson
  • Hidden Boosts: The Annual Fee Scorecard Lesson, phase 2: Accumulation
    A ten dollar monthly dining credit that only clears through a delivery app you would never otherwise open is not ten dollars: it is ten dollars of your own money spent...
    Read the lesson
  • Is Cash Back Better Than Points? Amex Gold vs. 2% Cash Back Article, Aug 22, 2026
    Up to $10 a month on dining, up to $7 a month at U.S.
    Read the article
  • The Bilt Trifecta: What Paying Rent With Bilt Really Earns Article, Aug 17, 2026
    Obsidian's case rests on its 3x dining category, swappable to groceries once within 30 days of opening and then each January.
    Read the article

Good to know

  • Rates apply to the issuer's definition of the category, which can be narrower than the everyday word (a warehouse club is rarely "groceries").
  • Enter your actual monthly dining spend in the best card finder to see the value in dollars, alongside every other category you spend in.

Related

Hold any of these cards? Ask your own wallet about Dining and Find answers from your cards, cycle state included.