CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
$0 annual fee Amex cards ranked by dining earn rate.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Amex
All 3 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Hilton HonorsAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
| Hilton Honors American Express CardAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
| Delta SkyMiles Blue American Express CardAmex | 2x Delta Skymiles | 2.0¢/$ | $0 | — | amex |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →$0 annual fee Amex cards ranked by dining earn rate.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Amex
All 3 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Hilton HonorsAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
| Hilton Honors American Express CardAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
| Delta SkyMiles Blue American Express CardAmex | 2x Delta Skymiles | 2.0¢/$ | $0 | — | amex |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →$0 annual fee Amex cards ranked by dining earn rate.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Amex
All 3 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Hilton HonorsAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
| Hilton Honors American Express CardAmex | 5x Hilton Honors | 2.5¢/$ | $0 | — | amex |
| Delta SkyMiles Blue American Express CardAmex | 2x Delta Skymiles | 2.0¢/$ | $0 | — | amex |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →
Amex
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