Wayloft Picks · 2026
Best Credit Cards for Dining
Eat out more, pay less.
The top credit cards for restaurants, takeout, and food delivery — ranked by earning rate, signup bonus, and annual fee tradeoff.
At a Glance
| # | Card | Annual Fee | Signup Bonus | Best For |
|---|---|---|---|---|
| 1 | Hilton Honors American Express Aspire Amex | $550 | 175,000 pts | Hilton Diamond statuspremium Hilton loyalists |
| 2 | Hilton Honors American Express Surpass Amex | $150 | 130,000 pts | Hilton loyalistsgrocery & gas earning |
| 3 | IHG One Rewards Premier Chase | $99 | 140,000 pts | IHG loyalistsfree annual night |
| 4 | Hilton Honors American Express Card Amex | $0 | 80,000 pts | no annual fee Hiltoncasual Hilton guests |
| 5 | American Express Gold Card Amex | $325 | 75,000 pts | dininggroceries |
| 6 | U.S. Bank Altitude Go Visa U.S. Bank | $0 | 25,000 pts | dining no annual feeUS Bank customers |
Hilton Honors American Express Aspire
$550/year · 175,000 pts after $6,000 in 6mo
brand property
14x
flights
7x
dining
7x
Hilton Honors American Express Surpass
$150/year · 130,000 pts after $3,000 in 6mo
brand property
12x
dining
6x
groceries
6x
gas
6x
IHG One Rewards Premier
$99/year · 140,000 pts after $3,000 in 3mo
brand property
26x
travel
5x
dining
5x
gas
5x
Hilton Honors American Express Card
No annual fee · 80,000 pts after $2,000 in 6mo
brand property
7x
dining
5x
groceries
5x
gas
5x
American Express Gold Card
$325/year · 75,000 pts after $6,000 in 6mo
dining
4x
groceries
4x
flights
3x
travel
2x
U.S. Bank Altitude Go Visa
No annual fee · 25,000 pts after $1,000 in 3mo
dining
4x
groceries
2x
gas
2x
streaming
2x
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