American Express
$843/yr net
Earns 4x on dining, on a dining-heavy profile after fees.
Best for dining
The best credit card for dining
Updated June 2026 · Ranked by net annual value (rewards minus the effective fee), not by who pays us.
Restaurants and delivery are one of the most rewarded categories in cards — most major issuers pay 3x–4x, and dining bonuses almost never carry a cap.
We ranked every card against a dining-led wallet (about $600/month on restaurants) by net annual value, after fees.
Our pick.
American Express Gold
$843/yr net
4xon every meal outbonus rate on the first $4,167/mo · $325 fee already subtracted above
Best dining card by net value for this profile, after the effective fee.
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 and the credits: a 4x-dining card with a high sticker fee only wins if you actually use its monthly dining/Uber credits. If you won't, a no-fee 3x–4x dining card often nets more.
Top 5 dining cards by net value
American Express
$462/yr net
Earns 3x on dining, on a dining-heavy profile after fees.
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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 75 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.