🍽️ Best dining credit cards — October 2026
Generated October 5, 2026 from 259 researched cards · 10 shown
Restaurants, bars, cafés, and food delivery.
How to read this
"Must choose" cards do not pay this rate by default. A 5% pick-your-category card earns 5% here only if you park it on this category (and on nothing else that month or quarter), and a rotating-calendar card earns it only while the issuer's published quarter includes this category — usually only after you activate. If you won't do that reliably, a flat-rate card lower down is worth more to you than the bigger number above it. "Conditions apply" means the rate needs something extra: a deposit balance, a wallet, a membership.
Rates are the published earn rate times the redemption value we researched for that card's currency — cash back at face value, points at the value in data/pointValues.json. That value is deliberately conservative: it is never higher than the lowest figure the sources printed on the row publish, so when The Points Guy says 2¢ and Frequent Miler says 1.5¢, every number here uses 1.5¢. Where only one source exists, the row says single-source value — rank it accordingly. Caps, portal-only bookings and activation deadlines are printed on the row because they routinely halve the real return. We exclude discontinued cards, store-only cards, cards whose terms we haven't verified, and points cards whose currency we could not value at all (see below).
This ranks card terms. It is not a recommendation to apply for anything. If you already hold something on this list, the win is using it in the right place — that's what the app is for.
Not ranked — and why
These cards advertise a high earn rate for this category, but they pay in a currency we tried to value and could not: no published redemption rate, no transfer partners, nothing to check. Ranking them at a made-up value would put them above cash-back cards on arithmetic we invented, so they sit here until a real number exists. (Every other points card on this page now ranks on a researched, sourced value — see the line under each row.)
- Xbox Mastercard (Barclays) — 3× on dining. Xbox Rewards Points: we could not value it.
- Power Travel Rewards World Mastercard (Security Service Federal Credit Union) — 3× on dining. Security Service FCU Rewards: we could not value it.