Best Credit Cards for Dining and Restaurants (2026)
Restaurants, takeout, bars, and most food-delivery services all code as dining, which makes a dining bonus easy to use. The best cards earn 3x to 5x on dining with no foreign transaction fees, so they work abroad too.
Dining bonuses rarely have caps, which is part of what makes them so valuable. We rank by the dining rate, valuing all points at a flat 1 cent.
Our top picks
1. Robinhood Platinum Card 5x on dining
The Robinhood Platinum Card has a $695 annual fee.
- 5% cash back on dining, up to $50,000 per year, then 1%
2. Verizon Visa® Card 4x on dining
The Verizon Visa® Card has no annual fee, plus a welcome offer of $150 statement credit.
- 4% back in Verizon Dollars on groceries, gas, EV charging, and dining
3. Brooks Brothers World Mastercard® 4x on dining
The Brooks Brothers World Mastercard® has no annual fee, plus a welcome offer of $50 Reward plus 20% off your first online purchase.
- 4 points per $1 on restaurants, groceries, and gas
4. American Express® Gold 4x on dining
The American Express® Gold has a $325 annual fee, plus a welcome offer of As high as 100,000 Membership Rewards® Points.
- 4x points at U.S. restaurants
- $120 dining credit ($10/month at Grubhub, The Cheesecake Factory & more)
- $100 Resy credit ($50 semi-annually at Resy restaurants)
- $120 dining credit ($10/month at Grubhub & more)
5. The Key Rewards® Visa (Williams Sonoma, Pottery Barn, West Elm) 4x on dining
The The Key Rewards® Visa (Williams Sonoma, Pottery Barn, West Elm) has no annual fee, plus a welcome offer of 10% back at Williams-Sonoma brands for your first 30 days.
- 4% back at grocery stores, restaurants, and food delivery
6. U.S. Bank Altitude® Go Visa Signature® 4x on dining
The U.S. Bank Altitude® Go Visa Signature® has no annual fee, plus a welcome offer of 20,000 points.
- 4x points on dining, takeout, and restaurant delivery (on the first $2,000 in dining each quarter, then 1x)
7. Robinhood Gold Card 3x on dining
The Robinhood Gold Card has a $50 annual fee.
8. Shell Performance Elite World Mastercard® 3x on dining
The Shell Performance Elite World Mastercard® has no annual fee, plus a welcome offer of $50 statement credit.
- 3% back on dining and groceries
Compare the top cards
| Card | Rewards rate | Annual fee | Welcome offer | Details |
|---|---|---|---|---|
| Robinhood Platinum Card | 5x on dining | $695 | No current offer | Review |
| Verizon Visa® Card | 4x on dining | No annual fee | $150 statement credit | Review |
| Brooks Brothers World Mastercard® | 4x on dining | No annual fee | $50 Reward plus 20% off your first online purchase | Review |
| American Express® Gold | 4x on dining | $325 | As high as 100,000 Membership Rewards® Points | Review |
| The Key Rewards® Visa (Williams Sonoma, Pottery Barn, West Elm) | 4x on dining | No annual fee | 10% back at Williams-Sonoma brands for your first 30 days | Review |
| U.S. Bank Altitude® Go Visa Signature® | 4x on dining | No annual fee | 20,000 points | Review |
| Robinhood Gold Card | 3x on dining | $50 | No current offer | Review |
| Shell Performance Elite World Mastercard® | 3x on dining | No annual fee | $50 statement credit | Review |
Rewards rates and offers verified November 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator, and check the best current welcome offers for cards running an elevated bonus right now.
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