Best Credit Cards for Dining 2026
Dining is one of the top spending categories for Americans — and one of the easiest to optimize. Using the right card at restaurants, takeout, cafes, and food delivery apps (DoorDash, Uber Eats) can easily earn you an extra $100–$300/year on spending you're already doing. Try our calculator to see your number.
At a glance
American Express® Gold Card
$250/yr · On $250/mo dining: -$100/yr net
- ★ 4x at US supermarkets (up to $25k/yr)
- ★ 4x at restaurants worldwide
Chase Sapphire Preferred®
$95/yr · On $250/mo dining: $18/yr net
- ★ 5x on travel via Chase portal
- ★ 3x on dining & groceries
Chase Freedom Unlimited®
No annual fee · On $250/mo dining: $90/yr net
- ★ 3% on dining & drugstores
- ★ 5% on travel via Chase portal
Wells Fargo Autograph℠ Card
No annual fee · On $250/mo dining: $90/yr net
- ★ 3x on restaurants, travel, gas, streaming
- ★ No annual fee
Chase Sapphire Reserve®
$550/yr · On $250/mo dining: -$438/yr net
- ★ 3x on dining worldwide
- ★ 5x on flights via Chase Travel
Citi Strata Premier℠ Card
$95/yr · On $250/mo dining: -$5/yr net
- ★ 3x on groceries, dining, travel & gas
- ★ $100 hotel discount benefit/yr
Does food delivery count as dining?
Most cards that offer dining rewards include food delivery apps like DoorDash, Grubhub, and Uber Eats since transactions are categorized as restaurants by the merchant. The Chase Sapphire Reserve and Amex Gold both earn full dining rates on delivery apps.
Grocery delivery services (Instacart, Amazon Fresh) are typically coded as groceries, not dining — so they earn grocery rates instead. This works in your favor if you have a card that earns on both.