Best Credit Card for Dining & Restaurants (2026)
Restaurant, bar, and food delivery spend adds up quickly. We model ~$500/month in dining — including in-person restaurants and delivery apps where issuer terms allow — to surface cards with strong dining multipliers and relevant credits.
Spending profile modeled: $500/mo Restaurant & Dining · $200/mo Supermarket & Grocery · $150/mo Other · $100/mo Travel · $100/mo Gas & Transportation · $100/mo Online Shopping
Top 3 cards for this profile
Spend rewards
$715
Perks & credits
$243
Welcome bonus
$900
first year only
Annual fee
$325
Spend rewards
$585
Perks & credits
$120
Welcome bonus
$1,125
first year only
Annual fee
$95
Spend rewards
$404
Perks & credits
$178
Welcome bonus
—
first year only
Annual fee
None
Frequently asked questions
Does DoorDash or Uber Eats count as dining?
It depends on the card. Some issuers classify delivery apps as dining; others as generic purchases. Our engine uses issuer category labels from card terms, not merchant names.
How does Credit Card Optimizer rank the best cards for dining?
We calculate ongoing annual value for each card using the spending profile on this page ($500/mo Restaurant & Dining · $200/mo Supermarket & Grocery · $150/mo Other · $100/mo Travel · $100/mo Gas & Transportation · $100/mo Online Shopping), including category earn rates, caps, and perks, minus annual fees. Welcome bonuses are shown separately as first-year value and don't affect ranking order.
Are these rankings personalized to me?
These pages use fixed representative profiles. For rankings based on your actual monthly spend, use our free credit card optimizer.
Get rankings for your exact spending
These results use a fixed profile. Your optimal card may differ if your grocery, dining, or travel spend is higher or lower than the assumptions above.