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Earn Big Rewards on Every Meal

Whether dining out or ordering in, maximize your rewards with cards offering 3-4x points on restaurants, takeout, and food delivery services.

Earn 3-4x rewards on dining

Includes delivery services like DoorDash and Uber Eats

Annual bonuses and statement credits available

Last updated: February 5, 2026
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Top Best Dining Credit Cards of 2026

Expert-ranked cards based on rewards, fees, and benefits

#1
IHG One Rewards Premier Credit Card credit card
IHG One Rewards Premier Credit Card

Chase

Annual Fee
$99/year
Welcome Bonus
175,000 points
Top Earn Rates
10x IHG Hotels and Resorts, 5x Travel, 5x Dining
#2
IHG One Rewards Premier Business Credit Card credit card
IHG One Rewards Premier Business Credit Card

Chase

Annual Fee
$99/year
Welcome Bonus
140,000 points
Top Earn Rates
10x IHG Hotels and Resorts, 5x Travel, 5x Dining
#3
U.S. BANK ALTITUDE GO credit card
U.S. BANK ALTITUDE GO

U.S. Bank

Annual Fee
No annual fee
Welcome Bonus
20,000 points
Top Earn Rates
4x Dining, 2x Groceries, 2x Gas Stations
#4
Chase Sapphire Reserve credit card
Chase Sapphire Reserve

Chase

Annual Fee
$795/year
Welcome Bonus
200,000 points
Top Earn Rates
8x Chase Travel, 5x Lyft, 4x Flights (Direct)
#5
IHG One Rewards Traveler Credit Card credit card
IHG One Rewards Traveler Credit Card

Chase

Annual Fee
No annual fee
Welcome Bonus
80,000 points
Top Earn Rates
5x Participating IHG Hotels, 3x Dining, 3x Utilities
#6
Atmos Rewards Summit credit card
Atmos Rewards Summit

Bank of America

Annual Fee
$395/year
Welcome Bonus
100,000 points
Top Earn Rates
3x dining, foreign transaction, Alaska Airlines and Hawaiian Airlines
#7
Chase Sapphire Preferred credit card
Chase Sapphire Preferred

Chase

Annual Fee
$95/year
Welcome Bonus
75,000 points
Top Earn Rates
3x Dining
#8
Chase Freedom Unlimited credit card
Chase Freedom Unlimited

Chase

Annual Fee
No annual fee
Welcome Bonus
30,000 points
Top Earn Rates
5x Chase Travel, 3x Dining, 3x Drugstores
#9
TD Cash Credit Card credit card
TD Cash Credit Card

TD Bank

Annual Fee
No annual fee
Welcome Bonus
20,000 points
Top Earn Rates
3x One of these categories: Dining, Entertainment, Gas Stations, Grocery Stores and Travel, 2x One of these categories: Dining, Entertainment, Gas Stations, Grocery Stores and Travel

Want to compare these cards side-by-side?

Compare Top 4 Cards

What to Look For

Key factors to consider when choosing your card

High earning rates on dining (3-4x points or cash back)

Coverage of food delivery services (Uber Eats, DoorDash, Grubhub)

Annual dining credits (like Amex Gold's $120 Uber Cash)

No foreign transaction fees for international dining

Dining-specific perks (reservations, discounts)

Flexible redemption options or valuable transfer partners

How to Choose

If you dine out frequently (3+ times per week), the American Express Gold Card offers 4x points on dining plus valuable credits. For simpler cashback, Chase Freedom Unlimited gives 3% on dining with no annual fee. Consider your monthly dining spend to calculate which card maximizes your rewards.

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Frequently Asked Questions

Get answers to common questions about choosing the right card

The American Express Gold Card offers 4x points on dining at restaurants (including takeout and delivery). Capital One Savor also offers 4% cash back on dining and entertainment, plus 3% on groceries and streaming.

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