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PointsDog

Comparison · dining

Best cards for dining, by the published rate.

Sorted by the restaurant earn rate the issuer publishes. The rate is half the answer: the currency it pays in decides what the points are worth, and a cap decides how long the rate lasts. Fee and foreign-transaction fee are beside each so nothing hides.

16 cardsIssuer pages read 2026-08-30Sorted by the data, never by commission
  1. 1

    Hilton Honors American Express Surpass Card

    6X$150 feeNo foreign fee
    Hilton Honors · U.S. restaurants, U.S. supermarkets, U.S. gas stations
    TermsIssuerDirect
  2. 2

    Bilt Palladium Card

    up to 5X$495 feeForeign fee unconfirmedTransfers
    Bilt Rewards · Bilt dining
    TermsIssuerDirect
  3. 3

    Bilt Blue Card

    up to 4X$0 feeNo foreign feeTransfers
    Bilt Rewards · Dining at Bilt partners
    TermsIssuerDirect
  4. 4

    American Express Gold Card

    4X · cap $50k$325 feeNo foreign feeTransfers
    Amex Membership Rewards · Restaurants worldwide
    TermsIssuerDirect
  5. 5

    Capital One Savor Cash Rewards Credit Card

    3%$0 feeNo foreign fee
    Cash back · Grocery stores (excluding superstores like Walmart and Target), dining, entertainment, popular streaming services
    TermsIssuerDirect
  6. 6

    Chase Freedom Flex

    3%$0 feeForeign fee unconfirmed
    Chase Ultimate Rewards · Dining at restaurants, including takeout and eligible delivery services
    TermsIssuerDirect
  7. 7

    Chase Freedom Unlimited

    3%$0 feeForeign fee unconfirmed
    Chase Ultimate Rewards · Dining at restaurants, including takeout and eligible delivery services
    TermsIssuerDirect
  8. 8

    Wells Fargo Autograph Card

    3X$0 feeNo foreign feeTransfers
    Wells Fargo Rewards · Restaurants, travel, gas stations, transit, popular streaming services, phone plans
    TermsIssuerDirect
  9. 9

    Bilt Obsidian Card

    up to 3X$95 feeNo foreign feeTransfers
    Bilt Rewards · Dining or grocery (choose one; grocery capped at $25k/yr; up to 6X at Bilt dining partners)
    TermsIssuerDirect
  10. 10

    Chase Sapphire Preferred

    3X$95 feeNo foreign feeTransfers
    Chase Ultimate Rewards · Dining at restaurants, including takeout and eligible delivery services
    TermsIssuerDirect
  11. 11

    Citi Strata Premier Card

    3X$95 feeNo foreign feeTransfers
    Citi ThankYou · Restaurants
    TermsIssuerDirect
  12. 12

    Marriott Bonvoy Brilliant American Express Card

    3X$650 feeNo foreign feeTransfers
    Marriott Bonvoy · Restaurants worldwide & flights booked directly with airlines
    TermsIssuerDirect
  13. 13

    Chase Sapphire Reserve

    3X$795 feeNo foreign feeTransfers
    Chase Ultimate Rewards · Dining worldwide
    TermsIssuerDirect
  14. 14

    Chase World of Hyatt Credit Card

    2X$95 feeNo foreign fee
    World of Hyatt · Restaurants, airline tickets purchased directly from the airline, local transit and commuting, fitness club and gym memberships
    TermsIssuerDirect
  15. 15

    Chase United Explorer Card

    2X$150 feeNo foreign fee
    United MileagePlus · Dining, including eligible delivery services
    TermsIssuerDirect
  16. 16

    Delta SkyMiles Gold American Express Card

    2X$150 feeForeign fee: $0 (no foreign transacti…
    Delta SkyMiles · Restaurants worldwide
    TermsIssuerDirect

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