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
14 cards
#1
Marriott Bonvoy Boundless
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
#2
Hilton Honors Surpass
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
#3
Citi Strata Elite
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
#4
Citi Strata Premier
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
#5
Chase Sapphire Reserve
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
#6
Citi AAdvantage Globe Mastercard
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
#7
Chase Sapphire Preferred
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
#8
American Express Gold Card
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
#9
BILT Obsidian Mastercard
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
#10
American Express Green Card
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
#11
Alaskan Atomos Rewards Summit Visa Infinite
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
#12
Citi AAdvantage Platinum Select
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
#13
United Explorer
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
#14
Delta SkyMiles Gold
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
Not sure which one fits you?
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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.