Best for dining
The best credit card for dining
Updated August 17, 2026 · Methodology v2026.09.1 · Ranked by net annual value (rewards minus the full annual fee — credits count only if you use them), not by who pays us.
This profile's spending
grocery: $150/mo · dining: $600/mo · gas: $80/mo · travel: $80/mo · streaming: $30/mo · everything else: $250/mo · total $1,190/mo
Dining is one of the most rewarded categories — most issuers pay 3x–4x, and the bonus rarely hits a cap.
Our pick.
Citi Strata Premier
$447/yr net
3x on every meal out$95 fee already subtracted above
Best dining card by net value for this profile, after the annual fee.
Trade-off: $95 annual fee — already subtracted from every figure here.
Why not US Bank Altitude Go? Your groceries + dining spending earns $152/yr more here — enough to come out $57/yr ahead after the $95 fee.
Beats the best $0-fee alternative (US Bank Altitude Go) once you spend about $220/mo on dining + groceries — you're at $750/mo.
The catch most lists skip.
Unlike groceries, dining bonuses are usually uncapped, so the highest rate genuinely wins on raw earnings. The real tiebreaker is the fee: we charge every card's full sticker, so a 4x-dining card behind a $325 fee nets less here than a 3x card behind a $95 one. Merchant-locked dining and Uber credits are opt-in upside — count them only if you'd spend there anyway (the calculator lets you say so), not as a discount on the fee.
See the full trade-offWhere the winner changes —
Net value vs monthly dining spend
Citi Strata PremierUS Bank Altitude GoChase Sapphire Preferred
Hover the chart to read exact values.
View this chart as a table
| Monthly dining spend | Citi Strata Premier | US Bank Altitude Go | Chase Sapphire Preferred |
|---|---|---|---|
| $0/mo | $123 | $102 | $65 |
| $100/mo | $177 | $150 | $119 |
| $200/mo | $231 | $198 | $173 |
| $300/mo | $285 | $246 | $227 |
| $400/mo | $339 | $294 | $281 |
| $500/mo | $393 | $342 | $335 |
| $600/mo | $447 | $390 | $389 |
| $700/mo | $501 | $426 | $443 |
| $800/mo | $555 | $438 | $497 |
| $900/mo | $609 | $450 | $551 |
| $1,000/mo | $663 | $462 | $605 |
| $1,100/mo | $717 | $474 | $659 |
| $1,200/mo | $771 | $486 | $713 |
| $1,300/mo | $825 | $498 | $767 |
| $1,400/mo | $879 | $510 | $821 |
| $1,500/mo | $933 | $522 | $875 |
Top 5 dining cards by net value
US Bank
$390/yr net
Earns 4x on dining on the first $8,000/yr, then 1x. No annual fee.
Wells Fargo
$364/yr net
Earns 3x on dining — uncapped. Full $95 fee charged.
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If you redeem points for cash instead —
Same profile, points valued at their guaranteed cash floor (no transfer-partner premium). Flat cash-back cards shine here.
#1US Bank Altitude Go$390/yr
#2Costco Anywhere Visa® by Citi$335/yr
#3Wells Fargo Autograph℠ Card$332/yr
If you spend closer to $300/mo on dining, the podium shifts.
Your spending isn't this profile.
This ranking is for a dining-heavy wallet. Enter your own monthly numbers and we'll re-rank all 67 open consumer cards against exactly how you spend.
Run my own numbersFigures are estimates from our net-value model on a sample dining-weighted profile, with fees counted category-aware (credits count where you'd realize them). See our methodology page. Rates and fees change — verify on the issuer's site before applying.