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Ranked by effective value on dining spending. Effective rate accounts for the real-world value of each point or mile.
The best dining credit cards earn 3x to 4x points per dollar at restaurants, which translates to 4.5% to 8% back in real value when you redeem through travel partners. We rank cards by their effective return — not just the multiplier — so a 3x points card can outrank a 3% cash back card if those points are worth more.
Citi
Automatically applied to your highest eligible spend category each billing cycle. Eligible categories: restaurants, gas, groceries, travel, transit, streaming, drugstores, home improvement, fitness, entertainment
Highest effective return in this category
Effective value is calculated using our standardized cents-per-point values. Multiplier cards are valued at their points currency's transfer partner potential. Rankings reflect standard rates only — portal bonuses and rotating categories are excluded. View all cards →
Find the best card for every type of spending.
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Bilt
Choose dining or grocery at account opening; selection is annual. Grocery capped at $25,000/year. Dining has no stated cap.
Bilt
Points Accelerator: costs $200 Bilt Cash to activate; up to 5 activations per year; expires when $5,000 cap hit or end of year
Chase
Chase
Chase
Chase