1
Best no-fee pick
Chase Freedom Flex / Unlimited
3x diningUltimate Rewards
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.
The short answer
Top picks — no annual fee
Keep forever · $0/yr2
Runner-up
Capital One Savor
3x diningCash Back
3
Also good
Citi Custom Cash
No longer accepting applications5x on top eligible category — up to $500/moThankYou Points
Top picks — with annual fee
Pays for itself if used right1
Best overall
AmEx Gold
4x diningMembership Rewards$325/yr
2
Best value
Chase Sapphire Preferred
3x on all diningUltimate Rewards$95/yr
Honorable mentions
Annual fee
Reward type
13 cards
#1
Chase Freedom Flex
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
#2
Chase Freedom Unlimited
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
#3
Citi Custom Cash
No FeeCash Back
5x on top spend category (up to $500/mo)
- 5x on top spend category (up to $500/mo)
- 1x everything else
Click to see redemption options
$200 after $1,500 in 3 months
#4
Discover It Cash Back
No FeeCash Back
5x Rotating categories (up to $1,500/qtr)
- 5x Rotating categories (up to $1,500/qtr)
- 1x everything else
Click to see redemption options
Cashback Match at end of year 1
#5
Prime Visa
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
#6
Costco Anywhere Visa
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).
#7
Capital One Savor
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
#8
Navy Federal More Rewards American Express
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
#9
Navy Federal GO REWARDS
No FeeLoyalty Points
3x Restaurants
- 3x Restaurants
- 2x Gas Stations
- 1x everything else
Click to see redemption options
None
#10
Apple Card
No FeeCash Back
3x Select merchants
- 3x Select merchants
- 2x Apple Pay
- 1x everything else
Click to see redemption options
#11
Discover It Secured
No FeeCash Back
2x Restaurants
- 2x Gas
- 2x Restaurants
- 1x everything else
Click to see redemption options
Cashback Match + security deposit required
#12
Discover It Chrome Gas & Restaurant
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
#13
BILT Blue Mastercard
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
Not sure which one fits you?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) assume the relevant category is active. Terms and reward rates are subject to change at each issuer's discretion.