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).
Keep forever · $0/yr 1 Best no-fee pick
Chase Freedom Flex / Unlimited or Discover It5% on Dining this quarter (normally 3x dining)Ultimate Rewards 🔥 Active now through December 31, 2026 5% on Restaurants — up to $1,500 in combined quarterly bonus-category spend, activation requiredCash Back 🔥 Active now through December 31, 2026
2 Runner-up
Capital One Savor 3x diningCash Back
3 Also good
Citi Custom Cash No longer accepting applications 5x on top eligible category — up to $500/moThankYou Points
Pays for itself if used right 4x diningMembership Rewards $325/yr
2 Best value
Chase Sapphire Preferred 3x on all diningUltimate Rewards $95/yr
See Everything Else → Honorable mentions Annual fee All No annual fee With annual fee
Reward type All types Transferable points Cash back Airline / Hotel
Card type All cards Non-co-brand Co-brand
Card network All networks Visa Mastercard AmEx Discover
14 cards
#1
Marriott Bonvoy Boundless
Chase · $95/yr
Loyalty Points
3x Dining
17x Marriott 3x Groceries 3x Gas 3x Dining 2x everything else Bonvoy Points ▼ Click to see redemption options
3 Free Night Awards after $3,000 in 3 months
#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 Hilton Honors Points ▼ Click to see redemption options
155,000 points after $3,000 in 6 months
#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 ThankYou Points ▼ Click to see redemption options
80,000 points after $4,000 in 3 months
#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 ThankYou Points ▼ Click to see redemption options
60,000 points after $4,000 in 3 months
#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 Ultimate Rewards ▼ Click to see redemption options
60,000 points after $4,000 in 3 months
#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 AAdvantage Miles ▼ Click to see redemption options
60,000–90,000 miles after $5,000 in 4 months
#7
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 Ultimate Rewards ▼ Click to see redemption options
60,000 points after $4,000 in 3 months
#8
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 Membership Rewards ▼ Click to see redemption options
60,000 points after $6,000 in 6 months
#9
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 BILT Points ▼ Click to see redemption options
$200 BILT Cash on opening
#10
American Express Green Card
AmEx · $150/yr
Transferable Points
3x Dining
3x Travel 3x Transit 3x Dining 1x everything else Membership Rewards ▼ Click to see redemption options
40,000 points after $3,000 in 6 months
#11
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 Alaskan Miles ▼ Click to see redemption options
100,000 miles + 25K Companion Award
#12
Citi AAdvantage Platinum Select
Citi · $99/yr
Loyalty Points
2x Dining
2x American Airlines 2x Dining 2x Gas 1x everything else AAdvantage Miles ▼ Click to see redemption options
50,000 miles after $2,500 in 3 months
#13
United Explorer
Chase · $150/yr
Loyalty Points
2x Dining
2x United 2x Dining 2x Hotels 5x Hotels via United Hotels 1x everything else United Miles ▼ Click to see redemption options
60,000 miles after $3,000 in 3 months
#14
Delta SkyMiles Gold
AmEx · $150/yr
Loyalty Points
2x Dining
2x Delta 2x Dining 2x Groceries 1x everything else Delta SkyMiles ▼ 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) 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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