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Best Credit Cards for Dining, Food Delivery & Takeout

Cards that earn the most on restaurants, delivery apps, and takeout — whether you want transferable points or straight cash back.

🔥 Right now, no-fee Chase Freedom Flex / Unlimited earns 5% here — beating even AmEx Gold's 4x ($325/yr).
4.3%
Avg no-fee back
3.5%
Avg with-fee back
5%
Best rate available
$210
Avg with-fee cost/yr
The short answer
No-fee pickChase Freedom Flex / Unlimited or Discover It5% on Dining this quarter (normally 3x dining)Fee pickAmEx Gold4x diningPremiumChase Sapphire Preferred3x on all dining

Top picks — no annual fee

Keep forever · $0/yr
1
Best no-fee pick

Chase Freedom Flex / UnlimitedorDiscover It

5% on Dining this quarter (normally 3x dining)Ultimate Rewards🔥 Active now through December 31, 20265% on Restaurants — up to $1,500 in combined quarterly bonus-category spend, activation requiredCash Back🔥 Active now through December 31, 2026
See if Discover It is right for you →

Top picks — with annual fee

Pays for itself if used right
See Everything Else →

Honorable mentions

Annual fee
Reward type
Card type
Card network
28 cards
#1
Marriott Bonvoy Boundless
Chase · $95/yr
Loyalty Points
3x Dining
  • 17x Marriott
  • 3x Groceries
  • 3x Gas
  • 3x Dining
  • 2x everything else
Click to see redemption options
3 Free Night Awards after $3,000 in 3 months
Apply now →Run the numbers →Full details →
#2
Hilton Honors Surpass
AmEx · $150/yr
Loyalty Points
6x Restaurants
  • 12x Hilton
  • 6x Restaurants
  • 6x Supermarkets
  • 6x Gas
  • 4x US Online Retail
  • 3x everything else
Click to see redemption options
155,000 points after $3,000 in 6 months
Apply now →Run the numbers →Full details →
#3
Citi Strata Elite
Citi · $595/yr
Transferable Points
3x Restaurants
  • 12x Hotels/Cars/Attractions via CitiTravel
  • 6x Airfare via CitiTravel
  • 3x Restaurants
  • 1.5x everything else
Click to see redemption options
80,000 points after $4,000 in 3 months
Apply now →Run the numbers →Full details →
#4
Citi Strata Premier
Citi · $95/yr
Transferable Points
3x Restaurants
  • 10x Hotels/Cars/Attractions via CitiTravel
  • 3x Restaurants
  • 3x Supermarkets
  • 3x Gas
  • 3x Air Travel
  • 3x Hotels
  • 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
Apply now →Run the numbers →Full details →
#5
Chase Sapphire Reserve
Chase · $795/yr
Transferable Points
3x Dining
  • 8x Travel via Chase
  • 4x Flights (direct)
  • 4x Hotels (direct)
  • 3x Dining
  • 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
Apply now →Run the numbers →Full details →
#6
Citi AAdvantage Globe Mastercard
Citi · $350/yr
Loyalty Points
2x Dining
  • 6x AAdvantage Hotels
  • 3x American Airlines
  • 2x Dining
  • 2x Transit
  • 1x everything else
Click to see redemption options
60,000–90,000 miles after $5,000 in 4 months
Run the numbers →Full details →
#7
Chase Freedom Flex
Chase · No annual fee
No FeeCash Back
3x Dining
  • 5x Travel via Chase
  • 5x Rotating categories (up to $1,500/qtr)
  • 3x Dining
  • 3x Drugstores
  • 1x everything else
Click to see redemption options
$200 after $500 in 3 months
Apply now →Run the numbers →Full details →
#8
Chase Freedom Unlimited
Chase · No annual fee
No FeeCash Back
3x Dining
  • 5x Travel via Chase
  • 3x Dining
  • 3x Drugstores
  • 1.5x everything else
Click to see redemption options
$200 after $500 in 3 months
Apply now →Run the numbers →Full details →
#9
Citi Custom Cash
Citi · No annual fee
No FeeCash Back
1x everything else
  • 5x on top spend category (up to $500/mo)
  • 1x everything else
Click to see redemption options
$200 after $1,500 in 3 months
Apply now →Run the numbers →Full details →
#10
Discover It Cash Back
Discover · No annual fee
No FeeCash Back
1x everything else
  • 5x Rotating categories (up to $1,500/qtr)
  • 1x everything else
Click to see redemption options
Cashback Match at end of year 1
Apply now →Run the numbers →Full details →
#11
Prime Visa
Chase · No annual fee
No FeeCash Back
2x Restaurants
  • 5x Amazon & Whole Foods (Prime members)
  • 3x Amazon & Whole Foods (non-Prime)
  • 2x Restaurants
  • 2x Gas
  • 2x Transit
  • 1x everything else
Click to see redemption options
$100 gift card on approval
Apply now →Run the numbers →Full details →
#12
AAA Travel Advantage Visa Signature
Comenity Capital Bank · No annual fee
No FeeCash Back
3x Dining
  • 5% Gas Stations & EV Charging (up to $7,000/yr, then 1%)
  • 3x Flights
  • 3x Hotels
  • 3x Dining
  • 3x Grocery Stores
  • 3x Other Travel Purchases
  • 3x AAA Purchases
Click to see redemption options
$100 statement credit after spending $1,000 in the first 90 days.
Apply now →Run the numbers →Full details →
#13
Chase Sapphire Preferred
Chase · $95/yr
Transferable Points
3x Dining
  • 5x Travel via Chase
  • 5x Lyft
  • 3x Dining
  • 3x Online Groceries
  • 3x Streaming
  • 3x Gas & EV Charging
  • 3x Vacation Rentals
  • 2x Travel
  • 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
Apply now →Run the numbers →Full details →
#14
Costco Anywhere Visa
Citi · No annual fee
No FeeCash Back
3x Restaurants
  • 4x Gas (5x Costco Gas)
  • 4x EV Charging
  • 3x Restaurants
  • 3x Travel
  • 2x Costco
  • 1x everything else
Click to see redemption options
Requires an active Costco membership to hold this card — Gold Star ($65/yr) or Executive ($130/yr).
Apply now →Run the numbers →Full details →
#15
American Express Gold Card
AmEx · $325/yr
Transferable Points
4x Dining
  • 4x Dining
  • 4x US Supermarkets (up to $25k/yr)
  • 3x Flights
  • 1x everything else
Click to see redemption options
60,000 points after $6,000 in 6 months
Apply now →Run the numbers →Full details →
#16
Capital One Savor
Capital One · No annual fee
No FeeCash Back
3x Dining
  • 3x Dining
  • 3x Entertainment
  • 3x Streaming
  • 3x Groceries
  • 8x Capital One Entertainment
  • 5x Hotels/Cars via C1
  • 1x everything else
Click to see redemption options
$200 after $500 in 3 months
Apply now →Run the numbers →Full details →
#17
Navy Federal More Rewards American Express
Navy Federal · No annual fee
No FeeLoyalty Points
3x Restaurants & Food Delivery
  • 3x Restaurants & Food Delivery
  • 3x Supermarkets
  • 3x Gas Stations & Transit
  • 1x everything else
Click to see redemption options
20,000 points after $2,000 in 90 days
Apply now →Run the numbers →Full details →
#18
Navy Federal GO REWARDS
Navy Federal · No annual fee
No FeeLoyalty Points
3x Restaurants
  • 3x Restaurants
  • 2x Gas Stations
  • 1x everything else
Click to see redemption options
None
Apply now →Run the numbers →Full details →
#19
Apple Card
Goldman Sachs · No annual fee
No FeeCash Back
1x everything else
  • 3x Select merchants
  • 2x Apple Pay
  • 1x everything else
Click to see redemption options
Apply now →Run the numbers →Full details →
#20
BILT Obsidian Mastercard
Cardless · $95/yr
Transferable Points
3x Dining or Grocery (grocery capped $25k/yr)
  • 3x Dining or Grocery (grocery capped $25k/yr)
  • 2x Travel
  • 1x Rent (no processing fee — 5 transactions required per statement)
  • 1x everything else
Click to see redemption options
$200 BILT Cash on opening
Apply now →Run the numbers →Full details →
#21
American Express Green Card
AmEx · $150/yr
Transferable Points
3x Dining
  • 3x Travel
  • 3x Transit
  • 3x Dining
  • 1x everything else
Click to see redemption options
40,000 points after $3,000 in 6 months
Apply now →Run the numbers →Full details →
#22
Alaskan Atomos Rewards Summit Visa Infinite
Bank of America · $395/yr
Loyalty Points
3x Dining
  • 3x Alaska/Hawaiian
  • 3x Dining
  • 3x Foreign Transactions
  • 1x everything else
Click to see redemption options
100,000 miles + 25K Companion Award
Apply now →Run the numbers →Full details →
#23
Discover It Secured
Discover · No annual fee
No FeeCash Back
2x Restaurants
  • 2x Gas
  • 2x Restaurants
  • 1x everything else
Click to see redemption options
Cashback Match + security deposit required
Apply now →Run the numbers →Full details →
#24
Discover It Chrome Gas & Restaurant
Discover · No annual fee
No FeeCash Back
2x Restaurants (up to $1k/qtr)
  • 2x Gas (up to $1k/qtr)
  • 2x Restaurants (up to $1k/qtr)
  • 1x everything else
Click to see redemption options
Cashback Match at end of year 1
Apply now →Run the numbers →Full details →
#25
Citi AAdvantage Platinum Select
Citi · $99/yr
Loyalty Points
2x Dining
  • 2x American Airlines
  • 2x Dining
  • 2x Gas
  • 1x everything else
Click to see redemption options
50,000 miles after $2,500 in 3 months
Apply now →Run the numbers →Full details →
#26
United Explorer
Chase · $150/yr
Loyalty Points
2x Dining
  • 2x United
  • 2x Dining
  • 2x Hotels
  • 5x Hotels via United Hotels
  • 1x everything else
Click to see redemption options
60,000 miles after $3,000 in 3 months
Apply now →Run the numbers →Full details →
#27
Delta SkyMiles Gold
AmEx · $150/yr
Loyalty Points
2x Dining
  • 2x Delta
  • 2x Dining
  • 2x Groceries
  • 1x everything else
Click to see redemption options
70,000 SkyMiles after $3,000 in 6 months
Apply now →Run the numbers →Full details →
#28
BILT Blue Mastercard
Cardless · No annual fee
No FeeTransferable Points
1x Dining
  • 1x Rent (no processing fee — 5 transactions required per statement)
  • 1x Dining
  • 1x Travel
  • 1x everything else
Click to see redemption options
Apply now →Run the numbers →Full details →
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Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.

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Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.