Best Credit Card for Dining and Travel (2026)
Premium travel cards often include strong dining bonuses too. This profile models ~$450/month dining and ~$450/month travel for cardholders who eat out regularly and take several trips per year.
Spending profile modeled: $450/mo Restaurant & Dining · $450/mo Travel · $200/mo Supermarket & Grocery · $150/mo Other · $100/mo Gas & Transportation · $100/mo Online Shopping
Top 3 cards for this profile
Spend rewards
$868
Perks & credits
$243
Welcome bonus
$900
first year only
Annual fee
$325
Spend rewards
$880
Perks & credits
$0
Welcome bonus
$900
first year only
Annual fee
$95
Spend rewards
$684
Perks & credits
$120
Welcome bonus
$1,125
first year only
Annual fee
$95
Frequently asked questions
Are Amex and Chase travel cards good for dining?
Several Amex and Chase premium cards earn bonus points on dining. We rank by total net annual value across both categories, not dining alone.
How does Credit Card Optimizer rank the best cards for dining & travel?
We calculate ongoing annual value for each card using the spending profile on this page ($450/mo Restaurant & Dining · $450/mo Travel · $200/mo Supermarket & Grocery · $150/mo Other · $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.