Credit and Habit

BROWSE & COMPARE

Dining credit cards

Use this category as a starting point. Fees and current offers need to be confirmed with the issuer.

American Express® Gold Card — issuer card design
American ExpressPersonal

American Express® Gold Card

Advertised credit profile: Good to excellent credit

Why it stands outEarn 1X Membership Rewardspoints on all other eligible purchases. Per dollar spent on up to $50,000 in purchases per calendar year, then 1X points Per dollar spent on up to…

Rewards focus: Dining

Welcome offer

As high as 100,000 Membership Rewards pointsafter spending $8,000 on your new Card in the first 6 months. Apply to find your offer; welcome offers vary and you may not be eligible.

Annual fee$325
View details →Apply on issuer site
Delta SkyMiles® Blue American Express Card — issuer card design
American ExpressPersonal

Delta SkyMiles® Blue American Express Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outEarn 2 miles for every dollar spent on eligible purchases made directly with Delta. Enjoy more than just your meal when you dine including takeout and delivery in the U.S.-…

Rewards focus: Travel

Welcome offer

10,000 bonus milesafter spending $1,000 in eligible purchases on your new Card in the first 6 months of Card Membership.

Annual fee$0
View details →Apply on issuer site
Delta SkyMiles® Gold American Express Card — issuer card design
American ExpressPersonal

Delta SkyMiles® Gold American Express Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outEarn 1 Mile per dollar spent on all other eligible purchases. Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn 2X Miles at U.S.…

Rewards focus: Travel

Welcome offer

As high as 80,000 bonus milesafter spending $2,000 on your new Card in the first 6 months. Apply to find your offer; welcome offers vary and you may not be eligible.

Annual fee$150
View details →Apply on issuer site
Delta SkyMiles® Platinum American Express Card — issuer card design
American ExpressPersonal

Delta SkyMiles® Platinum American Express Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outEarn 3X Miles on purchases made directly with hotels. Earn 1X per dollar spent on all other eligible purchases. When you earn 3X Miles on Delta flights and Delta Vacations, one…

Rewards focus: Travel

Welcome offer

As high as 90,000 bonus milesafter spending $3,000 on your new Card in the first 6 months. Apply to find your offer; welcome offers vary and you may not be eligible.

Annual fee$350
View details →Apply on issuer site
Savor Cash Rewards Credit Card — issuer card design
Capital OnePersonal

Savor Cash Rewards Credit Card

Advertised credit profile: Good to excellent credit

Why it stands outEarn unlimited 3% cash back on food and fun, plus a $200 cash bonus Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services. Earn…

Rewards focus: Cash back

Welcome offer

$200 cash bonusonce you spend $500 on purchases within the first 3 months from account opening

Annual fee$0
View details →Apply on issuer site
Amazon Visa — issuer card design
ChasePersonal

Amazon Visa

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outEarn unlimited 1%back on all other purchases anywhere Visa is accepted. Earn unlimited 3%back at Amazon.com,Audible.com,Whole Foods Market,and on Chase Travel purchases. Earn…

Rewards focus: Travel

Welcome offer

$50 Amazon Gift CardGet a $50 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance on approval of your credit card application.

Annual fee$0
View details →Apply on issuer site
Chase Freedom Flex® — issuer card design
ChasePersonal

Chase Freedom Flex®

Advertised credit profile: Good to excellent credit

Why it stands outAT A GLANCE Earn Cash back for every purchase Earn 5% cash back on up to $1,500 in rotating categories each quarter you activate. Plus, earn 5% back on travel purchased through…

Rewards focus: Cash back

Welcome offer

$250 bonusEarn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening. *

Annual fee$0
View details →Apply on issuer site
Chase Freedom Unlimited® — issuer card design
ChasePersonal

Chase Freedom Unlimited®

Advertised credit profile: Good to excellent credit

Why it stands outAT A GLANCE Unlimited 1.5% cash back is just the beginning Earn unlimited 1.5% cash back or more on all purchases, * like 3% on dining and drugstores * and 5% on travel…

Rewards focus: Cash back

Welcome offer

$200 bonusEarn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. *

Annual fee$0
View details →Apply on issuer site
Chase Sapphire Preferred® — issuer card design
ChasePersonal

Chase Sapphire Preferred®

Advertised credit profile: Good to excellent credit

Why it stands outEarn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027. * Earn 5x total points on eligible Peloton equipment and accessory…

Rewards focus: Travel

Welcome offer

75,000 pointsafter you spend $5,000 in purchases in the first 3 months from account opening. *

Annual fee$95
View details →Apply on issuer site
Chase Sapphire Reserve® — issuer card design
ChasePersonal

Chase Sapphire Reserve®

Advertised credit profile: Good to excellent credit

Why it stands outWith Points Boost, your points are worth up to 2x on top booked hotels, including The Edit, and flights with select airlines through Chase Travel. * $120 in Lyft ride credits +…

Rewards focus: Travel

Welcome offer

100,000 pointsafter you spend $6,000 in purchases in the first 3 months from account opening *

Annual fee$795
View details →Apply on issuer site
Disney Inspire Visa Card — issuer card design
ChasePersonal

Disney Inspire Visa Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE Elevate your Disney experience with the Disney Inspire Visa Card. Cardmembers earn 10% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com,…

Rewards focus: Dining

Welcome offer

$300 Disney Gift CardeGift to use today upon approval * + earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months from account opening. *

Annual fee$149
View details →Apply on issuer site
Disney Visa Card — issuer card design
ChasePersonal

Disney Visa Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE Reward yourself with the Disney Visa Card from Chase. Earn 1% in Disney Rewards Dollars on all card purchases. * Redeem toward most anything Disney at most Disney…

Rewards focus: Dining

Welcome offer

$100 Disney Gift CardeGift to use today upon approval * + earn a $50 statement credit after you spend $500 on purchases in the first 3 months from account opening. *

Annual fee$0
View details →Apply on issuer site
DoorDash Rewards Mastercard — issuer card design
ChasePersonal

DoorDash Rewards Mastercard

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE No annual card fee, just cash back on every purchase. Earn 4% cash back on DoorDash and Caviar orders, 3% cash back on dining when purchased directly from a…

Rewards focus: Cash back

Welcome offer

free year of DashPassthat will auto-renew at $96/yr. Cancel anytime. *

Annual fee$0
View details →Apply on issuer site
Instacart Mastercard — issuer card design
ChasePersonal

Instacart Mastercard

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE Turn everyday shopping into everyday rewards Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually * , 5% cash back on Chase…

Rewards focus: Cash back

Welcome offer

$50 Instacart creditautomatically upon approval *

Annual fee$0
View details →Apply on issuer site
Prime Visa — issuer card design
ChasePersonal

Prime Visa

Advertised credit profile: Good to excellent credit

Why it stands outAT A GLANCE Earn rewards on all your purchases with no annual card fee Earn unlimited 5%back at Amazon.com,Audible.com,Whole Foods Market,and on Chase Travel purchases with an…

Rewards focus: Cash back

Welcome offer

$150 Amazon Gift Cardinstantly loaded into your Amazon account's Gift Card Balance on approval of your credit card application.

Annual fee$0
View details →Apply on issuer site
Southwest Rapid Rewards Priority Credit Card — issuer card design
ChasePersonal

Southwest Rapid Rewards Priority Credit Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAT A GLANCE First checked bag free. * 7,500 anniversary points each year. * Plus, earn 4X points on Southwest Airlines purchases and 2X points at gas stations and restaurants. *

Rewards focus: Travel

Welcome offer

60,000 bonus pointsafter you spend $2,000 on purchases in the first 3 months from account opening. *

Annual fee$229
View details →Apply on issuer site
Citi / AAdvantage Platinum Select card — issuer card design
CitiPersonal

Citi / AAdvantage Platinum Select card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outAAdvantage bonus miles after qualifying purchases 2X miles on restaurants and gas stations Preferred boarding and more $0 Intro Annual Fee for the first year; $99 thereafter

Rewards focus: Travel

Welcome offer

80,000 bonus American Airlines AAdvantage milesafter making $3,500 in purchases in the first 4 months. Limited-time offer; eligibility restrictions apply.

View details →Apply on issuer site
Citi Custom Cash® Card — issuer card design
CitiPersonal

Citi Custom Cash® Card

Advertised credit profile: Good to excellent credit

Why it stands outEarn an elevated cash back rate in your highest eligible spending category each billing cycle, up to a monthly cap.

Rewards focus: Cash back

Welcome offer

$200 cash backafter spending $1,500 on purchases in the first 6 months of account opening; fulfilled as 20,000 ThankYou Points. Offer and eligibility restrictions apply.

Annual fee$0
View details →Apply on issuer site
Citi Strata Card — issuer card design
CitiPersonal

Citi Strata Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outEarn 3x points on an eligible Self-Select Category of your choice Fitness Clubs,Select Streaming Services,Live Entertainment,Cosmetic Stores/Barber Shops/Hair Salons,or Pet…

Rewards focus: Dining

Welcome offer

20,000 bonus pointsafter spending $1,000 in the first 3 months of account opening. Eligibility restrictions apply.

Annual fee$0
View details →Apply on issuer site
Citi Strata Elite Card — issuer card design
CitiPersonal

Citi Strata Elite Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outEarn ThankYou Points on travel and dining purchases Annual hotel benefit

Rewards focus: Travel

Welcome offer

75,000 bonus pointsafter spending $6,000 in the first 3 months of account opening. Availability and eligibility may vary by application channel.

View details →Apply on issuer site
Citi Strata Premier® Card — issuer card design
CitiPersonal

Citi Strata Premier® Card

Advertised credit profile: Good to excellent credit

Why it stands outAnnual hotel benefit Earn points on travel and everyday purchases

Rewards focus: Travel

Welcome offer

60,000 bonus pointsafter spending $4,000 in the first 3 months of account opening. Availability and eligibility may vary by application channel.

Annual fee$95
View details →Apply on issuer site
Bilt Obsidian Card — issuer card design
Column N.A. (Bilt)Personal

Bilt Obsidian Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outHousing rewards: up to 1.25X; Bilt partner restaurants: up to 6X; Choose Dining or Grocery (Grocery up to 25K/yr): 3X; Hotels (Booked on Bilt Travel Portal): 4X; Flights…

Rewards focus: Travel

Annual fee$95
View details →Apply on issuer site
Discover it® Cash Back — issuer card design
DiscoverPersonal

Discover it® Cash Back

Advertised credit profile: Good to excellent credit

Why it stands outEarn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.

Rewards focus: Cash back

Welcome offer

$200 bonusstatement credit when you spend $500 in the first 3 months.

Annual fee$0
View details →Apply on issuer site
Discover it® Chrome — issuer card design
DiscoverPersonal

Discover it® Chrome

Advertised credit profile: Good to excellent credit

Why it stands outDiscover it Chrome : Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on…

Rewards focus: Cash back

Welcome offer

Unlimited Cashback MatchDiscover matches all the cash back earned in your first year, automatically; there is no stated maximum. No fixed dollar signup bonus is represented.

Annual fee$0
View details →Apply on issuer site
Discover it® Student Cash Back — issuer card design
DiscoverStudent

Discover it® Student Cash Back

Advertised credit profile: Limited or no credit history

Why it stands outEarn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Earn 5% cash back on everyday purchases at different places…

Rewards focus: Student

Welcome offer

Unlimited Cashback MatchDiscover matches all the cash back earned in your first year, automatically; there is no stated maximum. No fixed dollar signup bonus is represented.

Annual fee$0
View details →Apply on issuer site

Issuer image currently unavailable

Navy Federal Credit UnionPersonal

Flagship Premier Visa Signature®

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outGet 4X points on more than just your travel essentials. No, you'll receive 4X points on any travel purchase made with your Flagship Premier Card. Eligible purchases are…

Rewards focus: Travel

Welcome offer

50,000 bonus points( a $500 value ) when you spend $4,000 in your first 90 days . See offer details.

Annual fee$95
View details →Apply on issuer site

Issuer image currently unavailable

Navy Federal Credit UnionPersonal

Navy Federal More Rewards American Express® Card

Advertised credit profile: Issuer determines eligibility; no minimum score published in the reviewed source.

Why it stands outEarn 3X points on everyday expenses like groceries and gas—plus great benefits and no annual fee. Navy Federal More Rewards American Express® Cards earn 3 points for every $1…

Rewards focus: Dining

Welcome offer

20,000 pointswhen you spend $2,000 within 90 days of account opening— that’s a $200 value !

Annual fee$0
View details →Apply on issuer site
PNC Cash Rewards® Visa® Credit Card — issuer card design
PNC BankPersonal

PNC Cash Rewards® Visa® Credit Card

Advertised credit profile: Good to excellent credit

Why it stands outEarn 1% cash back on all other purchases everywhere. Earn 4% on gas station purchases, 3% on dining purchases at restaurants, and 2% on grocery store purchases for the first…

Rewards focus: Cash back

Welcome offer

$250 bonusafter making $1,000 or more in purchases in the first 3 months after opening a new PNC Cash Rewards account. Offer channel and eligibility restrictions apply.

Annual fee$0
View details →Apply on issuer site
U.S. Bank Altitude® Go Visa Signature® Card — issuer card design
U.S. BankPersonal

U.S. Bank Altitude® Go Visa Signature® Card

Advertised credit profile: Good to excellent credit

Why it stands out4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter 2X points on streaming services, at grocery stores* and at gas stations/EV charging…

Rewards focus: Dining

Welcome offer

20,000 bonus pointsafter spending $1,000 in eligible purchases within 90 days of account opening.

Annual fee$0
View details →Apply on issuer site
U.S. Bank Cash+® Visa Signature® Card — issuer card design
U.S. BankPersonal

U.S. Bank Cash+® Visa Signature® Card

Advertised credit profile: Good to excellent credit

Why it stands outAdditional 5% cash back on Travel Center reservations Plus, earn 1% cash back on all other eligible purchases. You can earn 2% cash back by choosing one of the following…

Rewards focus: Cash back

Welcome offer

$200 bonusFor a limited time, earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening. Get a decision in as little as 60 seconds.

Annual fee$0
View details →Apply on issuer site
Wells Fargo Autograph® Card — issuer card design
Wells FargoPersonal

Wells Fargo Autograph® Card

Advertised credit profile: Good to excellent credit

Why it stands out3X on restaurants 3X on travel 3X on gas & transit 3X on popular streaming services 3X on phone plans 1X on other purchases

Rewards focus: Travel

Welcome offer

20,000 bonus pointswhen you spend $1,000 in purchases in the first 3 months–that’s a $200 cash redemption value

Annual fee$0
View details →Apply on issuer site

Choosing a card for restaurants and dining

Restaurant, delivery and takeout purchases may earn at different rates depending on issuer definitions and merchant coding. Use actual dining expenses, not the advertised rate alone, to compare potential rewards.

If points and cash-back cards are both in your shortlist, apply a realistic redemption value and subtract fees instead of treating a point as a dollar.

Will delivery apps always earn the dining rate?

Not necessarily. The merchant category and issuer terms determine eligibility; verify before counting delivery expenses in your estimate.

See which cards fit your spending → · Read the application checklist →