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Legal
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Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

Programs

Networks

Refine results

How do you usually dine?

Do you value airport lounge access?

Do you shop at Costco?

Do you use DashPass or Uber One?

Domestic or international travel?

Resolved as:Dining
Concept: Best Overall Card
+3 more
Cached
75%
Scores include 5% Rakuten Dining portal stacking on all cards
Not right? Try:
213 matches2065ms
American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 4.5¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($269.73/yr on $6,000 spend)
  2. 2.$50/yr $100 Resy Credit
  3. 3.$60/yr $120 Dining Credit
  4. 4.$60/yr $120 Uber Cash
  5. 5.$42/yr $84 Dunkin' Credit
AMEX
Core Rate
4.5¢
per dollar on dining
$325/yr
Annual rewards$269.73
\u2212 Annual fee$325
Net annual value-$55.27

Bonus rate on first $25,000/annual, then base rate

Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 3.9¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($232.43/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
3.9¢
per dollar on dining
$95/yr
Annual rewards$232.43
\u2212 Annual fee$95
Net annual value$137.43
Rakuten American Express Card
3

Rakuten American Express Card

First Electronic Bank

2% cash back on Dining

Convertible Cash Back — 2.0–4.0¢/$

This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

Why this card

  1. 1.2% cash back on Dining ($117.50/yr on $6,000 spend)
  2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value
  3. 3.10% via Rakuten Dining (5% portal + 5% card bonus)

No annual fee

AMEX
Convertible
Core Rate
2.0–4.0¢
per dollar on dining
depending on redemption
No annual fee
Annual rewards$117.50
Net annual value$117.50
No image
4

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Dining
2x × 1.9¢/pt = 2.7¢ per dollar

Why this card

  1. 1.$240/yr $300 Annual Capital One Travel Credit
  2. 2.Priority Pass Lounge Access
  3. 3.Capital One Lounge Access
  4. 4.$72/yr Global Entry or TSA PreCheck Credit
  5. 5.Partner Lounge Network
VISA
2.7¢
per dollar on dining
$395/yr
Annual rewards$159.56
\u2212 Annual fee$395
Net annual value-$235.44
Bilt Obsidian Card
5

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 3.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($215.40/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$20/yr Lyft Credits
  4. 4.MasterRental Coverage

$11.63 in credits offset the $95 fee

MASTERCARD
Core Rate
3.6¢
per dollar on dining
$95/yr($11.63 in credits)
Annual rewards$215.40
+ Credits$11.63
\u2212 Annual fee$95
Net annual value$132.03

Bonus rate on first $25,000/annual, then base rate

Chase Sapphire Reserve
6

Chase Sapphire Reserve

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 2.7¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($161.78/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.$60/yr Lyft Monthly Credit
  5. 5.Chase Sapphire Lounge by The Club
VISA
Core Rate
2.7¢
per dollar on dining
$795/yr($92.63 in credits)
Annual rewards$161.78
+ Credits$92.63
\u2212 Annual fee$795
Net annual value-$540.59
No image
7

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham Rewards on Dining
4x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

$3.77 in credits offset the $75 fee

VISA
Core Rate
2.0¢
per dollar on dining
$75/yr($3.77 in credits)
Annual rewards$120
+ Credits$3.77
\u2212 Annual fee$75
Net annual value$48.77
No image
8

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($150/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
2.5¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$150
+ Credits$3.77
Net annual value$153.77
No image
9

One Key+ Card

Wells Fargo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($120/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Instacart+ Savings
  4. 4.$20/yr Lyft Credits
  5. 5.Auto Rental Collision Damage Waiver

No annual fee

MASTERCARD
Core Rate
2.0¢
per dollar on dining
No annual fee
Annual rewards$120
Net annual value$120
Citi Custom Cash Card
10

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($165.75/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$30/yr Instacart+ Savings
  5. 5.$30/yr DashPass Subscription
MASTERCARD
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165.75
Net annual value$165.75

Bonus rate on first $500/monthly, then base rate

Wells Fargo Autograph Journey Visa Credit Card
11

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($137.25/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Travel and Emergency Services Assistance
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Visa Signature Rental Car Privileges

$3.77 in credits offset the $95 fee

VISA
Core Rate
2.3¢
per dollar on dining
$95/yr($3.77 in credits)
Annual rewards$137.25
+ Credits$3.77
\u2212 Annual fee$95
Net annual value$46.02
Capital One Savor Cash Rewards Credit Card
12

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($105/yr on $6,000 spend)
  2. 2.$144/yr Complimentary Uber One Membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits

No annual fee

MASTERCARD
Core Rate
1.8¢
per dollar on dining
No annual fee
Annual rewards$105
Net annual value$105
The Key Rewards Visa
13

The Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($120/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
2.0¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$120
+ Credits$3.77
Net annual value$123.77
BMO Premium Rewards Mastercard®
14

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($131.70/yr on $6,000 spend)
MASTERCARD
Core Rate
2.2¢
per dollar on dining
$95/yr
Annual rewards$131.70
\u2212 Annual fee$95
Net annual value$36.70

Bonus rate on first $2,000/quarterly, then base rate

Navy Federal More Rewards® Card
15

Navy Federal More Rewards® Card

Navy Federal

3x Navy Federal Nrewards on Dining
3x × 1.0¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($110.40/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
1.8¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$110.40
+ Credits$3.77
Net annual value$114.17
Aeroplan® Card
16

Aeroplan® Card

Chase

3x Air Canada Aeroplan on Dining
3x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($90/yr on $6,000 spend)
  2. 2.Free First Checked Bags
  3. 3.Priority Pass Select Lounge Access
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
1.5¢
per dollar on dining
$95/yr($15 in credits)
Annual rewards$90
+ Credits$15
\u2212 Annual fee$95
Net annual value$10
No image
17

TD Cash Credit Card

Td Bank

3x Cashback on Dining
3x × 1.0¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($109.05/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
1.8¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$109.05
+ Credits$3.77
Net annual value$112.82
Citi Strata Elite℠ Card
18

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 1.7¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($101.25/yr on $6,000 spend)
  2. 2.$150/yr Up to $300 Annual Hotel Benefit
  3. 3.Priority Pass™ Select membership
  4. 4.Priority Pass Select Lounge Access
  5. 5.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
MASTERCARD
Core Rate
1.7¢
per dollar on dining
$595/yr($597.50 in credits)
Annual rewards$101.25
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$103.75
U.S. Bank Altitude Connect Visa Signature Card
19

U.S. Bank Altitude Connect Visa Signature Card

Usbank

2x Usbank Altitude Rewards on Dining
2x × 1.0¢/pt = 1.3¢ per dollar

Why this card

  1. 1.2x on Dining — points worth 1.0¢ each ($80.40/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.$72/yr TSA PreCheck® or Global Entry®
  5. 5.Airport lounge access
VISA
Core Rate
1.3¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$80.40
+ Credits$3.77
Net annual value$84.17
Chase Freedom Flex
20

Chase Freedom Flex

Chase

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($67.29/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$30/yr DashPass Subscription
  4. 4.$20/yr Lyft Credits
  5. 5.$20/yr DoorDash

No annual fee

Promotional rate — may be time-limited

MASTERCARD
Promotional
1.1¢
per dollar on dining
No annual fee
Annual rewards$67.29
Net annual value$67.29

Bonus rate on first $1,500/quarterly, then base rate

Gemini Credit Card
21

Gemini Credit Card

Genesis Fs

3x Cashback on Dining
3x × 1.0¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($105/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Instacart+ Savings
  4. 4.$20/yr Lyft Credits

No annual fee

MASTERCARD
Core Rate
1.8¢
per dollar on dining
No annual fee
Annual rewards$105
Net annual value$105
Discover it Student Cash Back
22

Discover it Student Cash Back

Discover

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($90/yr on $6,000 spend)

No annual fee

Promotional rate — may be time-limited

Enrollment or activation may be required for this rate

DISCOVER
Promotional
1.5¢
per dollar on dining
No annual fee
Annual rewards$90
Net annual value$90

Bonus rate on first $1,500/quarterly, then base rate

No image
23

Bilt Palladium Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 2.1¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($125.40/yr on $6,000 spend)
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.$100/yr $200 of Bilt Cash
  4. 4.Priority Pass Select Lounge Access
  5. 5.$30/yr Instacart+ Savings
MASTERCARD
Core Rate
2.1¢
per dollar on dining
$495/yr
Annual rewards$125.40
\u2212 Annual fee$495
Net annual value-$369.60
Citi Strata Credit Card
24

Citi Strata Credit Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 2.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($149.18/yr on $6,000 spend)
  2. 2.Airport Lounge Access
  3. 3.$50/yr Global Entry or TSA PreCheck Credit
  4. 4.$50/yr $300 Annual Travel Credit

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on dining
No annual fee
Annual rewards$149.18
Net annual value$149.18
Chase Sapphire Preferred Card
25

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 1.9¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($112.86/yr on $6,000 spend)
  2. 2.$25/yr $50 Annual Hotel Credit
  3. 3.Complimentary 4th night at Ennismore Hotel properties
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Auto Rental Coverage
VISA
Core Rate
1.9¢
per dollar on dining
$95/yr($12.77 in credits)
Annual rewards$112.86
+ Credits$12.77
\u2212 Annual fee$95
Net annual value$30.63
Bank of America Customized Cash Rewards Credit Card
26

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points on Dining
3x × 1.0¢/pt = 1.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($94.05/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
1.6¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$94.05
+ Credits$3.77
Net annual value$97.82

Bonus rate on first $2,500/quarterly, then base rate

Marriott Bonvoy Bountiful Credit Card
27

Marriott Bonvoy Bountiful Credit Card

Chase

4x Marriott Bonvoy on Dining
4x × 0.7¢/pt = 1.4¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 0.7¢ each ($84/yr on $6,000 spend)
  2. 2.$90/yr $150 Annual Dining Credit
  3. 3.Marriott Bonvoy Gold Elite Status
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.$15/yr Complimentary DashPass for 12 Months
VISA
Core Rate
1.4¢
per dollar on dining
$250/yr($3.77 in credits)
Annual rewards$84
+ Credits$3.77
\u2212 Annual fee$250
Net annual value-$162.23

Bonus rate on first $15,000/annual, then base rate

Hilton Honors American Express Card
28

Hilton Honors American Express Card

Amex

5x Hilton Honors on Dining
5x × 0.5¢/pt = 1.6¢ per dollar

Why this card

  1. 1.5x on Dining — points worth 0.5¢ each ($97.50/yr on $6,000 spend)

No annual fee

AMEX
Core Rate
1.6¢
per dollar on dining
No annual fee
Annual rewards$97.50
Net annual value$97.50
Bilt Blue Card
29

Bilt Blue Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($120/yr on $6,000 spend)
  2. 2.MasterRental Coverage

No annual fee

MASTERCARD
Core Rate
2.0¢
per dollar on dining
No annual fee
Annual rewards$120
Net annual value$120
No image
30

Navy Federal More Rewards American Express®

Navy Federal

3x points on Dining

Why this card

  1. 1.3x on Dining ($95.40/yr on $6,000 spend)

No annual fee

AMEX
Core Rate
1.6¢
per dollar on dining
No annual fee
Annual rewards$95.40
Net annual value$95.40

Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

Programs

Networks

Refine results

How do you usually dine?

Do you value airport lounge access?

Do you shop at Costco?

Do you use DashPass or Uber One?

Domestic or international travel?

Resolved as:Dining
Concept: Best Overall Card
+3 more
Cached
75%
Scores include 5% Rakuten Dining portal stacking on all cards
Not right? Try:
213 matches2065ms
American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 4.5¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($269.73/yr on $6,000 spend)
  2. 2.$50/yr $100 Resy Credit
  3. 3.$60/yr $120 Dining Credit
  4. 4.$60/yr $120 Uber Cash
  5. 5.$42/yr $84 Dunkin' Credit
AMEX
Core Rate
4.5¢
per dollar on dining
$325/yr
Annual rewards$269.73
\u2212 Annual fee$325
Net annual value-$55.27

Bonus rate on first $25,000/annual, then base rate

Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 3.9¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($232.43/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
3.9¢
per dollar on dining
$95/yr
Annual rewards$232.43
\u2212 Annual fee$95
Net annual value$137.43
Rakuten American Express Card
3

Rakuten American Express Card

First Electronic Bank

2% cash back on Dining

Convertible Cash Back — 2.0–4.0¢/$

This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

Why this card

  1. 1.2% cash back on Dining ($117.50/yr on $6,000 spend)
  2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value
  3. 3.10% via Rakuten Dining (5% portal + 5% card bonus)

No annual fee

AMEX
Convertible
Core Rate
2.0–4.0¢
per dollar on dining
depending on redemption
No annual fee
Annual rewards$117.50
Net annual value$117.50
No image
4

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Dining
2x × 1.9¢/pt = 2.7¢ per dollar

Why this card

  1. 1.$240/yr $300 Annual Capital One Travel Credit
  2. 2.Priority Pass Lounge Access
  3. 3.Capital One Lounge Access
  4. 4.$72/yr Global Entry or TSA PreCheck Credit
  5. 5.Partner Lounge Network
VISA
2.7¢
per dollar on dining
$395/yr
Annual rewards$159.56
\u2212 Annual fee$395
Net annual value-$235.44
Bilt Obsidian Card
5

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 3.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($215.40/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$20/yr Lyft Credits
  4. 4.MasterRental Coverage

$11.63 in credits offset the $95 fee

MASTERCARD
Core Rate
3.6¢
per dollar on dining
$95/yr($11.63 in credits)
Annual rewards$215.40
+ Credits$11.63
\u2212 Annual fee$95
Net annual value$132.03

Bonus rate on first $25,000/annual, then base rate

Chase Sapphire Reserve
6

Chase Sapphire Reserve

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 2.7¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($161.78/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.$60/yr Lyft Monthly Credit
  5. 5.Chase Sapphire Lounge by The Club
VISA
Core Rate
2.7¢
per dollar on dining
$795/yr($92.63 in credits)
Annual rewards$161.78
+ Credits$92.63
\u2212 Annual fee$795
Net annual value-$540.59
No image
7

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham Rewards on Dining
4x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

$3.77 in credits offset the $75 fee

VISA
Core Rate
2.0¢
per dollar on dining
$75/yr($3.77 in credits)
Annual rewards$120
+ Credits$3.77
\u2212 Annual fee$75
Net annual value$48.77
No image
8

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($150/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
2.5¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$150
+ Credits$3.77
Net annual value$153.77
No image
9

One Key+ Card

Wells Fargo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($120/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Instacart+ Savings
  4. 4.$20/yr Lyft Credits
  5. 5.Auto Rental Collision Damage Waiver

No annual fee

MASTERCARD
Core Rate
2.0¢
per dollar on dining
No annual fee
Annual rewards$120
Net annual value$120
Citi Custom Cash Card
10

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($165.75/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$30/yr Instacart+ Savings
  5. 5.$30/yr DashPass Subscription
MASTERCARD
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165.75
Net annual value$165.75

Bonus rate on first $500/monthly, then base rate

Wells Fargo Autograph Journey Visa Credit Card
11

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($137.25/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Travel and Emergency Services Assistance
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Visa Signature Rental Car Privileges

$3.77 in credits offset the $95 fee

VISA
Core Rate
2.3¢
per dollar on dining
$95/yr($3.77 in credits)
Annual rewards$137.25
+ Credits$3.77
\u2212 Annual fee$95
Net annual value$46.02
Capital One Savor Cash Rewards Credit Card
12

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($105/yr on $6,000 spend)
  2. 2.$144/yr Complimentary Uber One Membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits

No annual fee

MASTERCARD
Core Rate
1.8¢
per dollar on dining
No annual fee
Annual rewards$105
Net annual value$105
The Key Rewards Visa
13

The Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($120/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
2.0¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$120
+ Credits$3.77
Net annual value$123.77
BMO Premium Rewards Mastercard®
14

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($131.70/yr on $6,000 spend)
MASTERCARD
Core Rate
2.2¢
per dollar on dining
$95/yr
Annual rewards$131.70
\u2212 Annual fee$95
Net annual value$36.70

Bonus rate on first $2,000/quarterly, then base rate

Navy Federal More Rewards® Card
15

Navy Federal More Rewards® Card

Navy Federal

3x Navy Federal Nrewards on Dining
3x × 1.0¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($110.40/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
1.8¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$110.40
+ Credits$3.77
Net annual value$114.17
Aeroplan® Card
16

Aeroplan® Card

Chase

3x Air Canada Aeroplan on Dining
3x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($90/yr on $6,000 spend)
  2. 2.Free First Checked Bags
  3. 3.Priority Pass Select Lounge Access
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
1.5¢
per dollar on dining
$95/yr($15 in credits)
Annual rewards$90
+ Credits$15
\u2212 Annual fee$95
Net annual value$10
No image
17

TD Cash Credit Card

Td Bank

3x Cashback on Dining
3x × 1.0¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($109.05/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
1.8¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$109.05
+ Credits$3.77
Net annual value$112.82
Citi Strata Elite℠ Card
18

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 1.7¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($101.25/yr on $6,000 spend)
  2. 2.$150/yr Up to $300 Annual Hotel Benefit
  3. 3.Priority Pass™ Select membership
  4. 4.Priority Pass Select Lounge Access
  5. 5.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
MASTERCARD
Core Rate
1.7¢
per dollar on dining
$595/yr($597.50 in credits)
Annual rewards$101.25
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$103.75
U.S. Bank Altitude Connect Visa Signature Card
19

U.S. Bank Altitude Connect Visa Signature Card

Usbank

2x Usbank Altitude Rewards on Dining
2x × 1.0¢/pt = 1.3¢ per dollar

Why this card

  1. 1.2x on Dining — points worth 1.0¢ each ($80.40/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.$72/yr TSA PreCheck® or Global Entry®
  5. 5.Airport lounge access
VISA
Core Rate
1.3¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$80.40
+ Credits$3.77
Net annual value$84.17
Chase Freedom Flex
20

Chase Freedom Flex

Chase

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($67.29/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$30/yr DashPass Subscription
  4. 4.$20/yr Lyft Credits
  5. 5.$20/yr DoorDash

No annual fee

Promotional rate — may be time-limited

MASTERCARD
Promotional
1.1¢
per dollar on dining
No annual fee
Annual rewards$67.29
Net annual value$67.29

Bonus rate on first $1,500/quarterly, then base rate

Gemini Credit Card
21

Gemini Credit Card

Genesis Fs

3x Cashback on Dining
3x × 1.0¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($105/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Instacart+ Savings
  4. 4.$20/yr Lyft Credits

No annual fee

MASTERCARD
Core Rate
1.8¢
per dollar on dining
No annual fee
Annual rewards$105
Net annual value$105
Discover it Student Cash Back
22

Discover it Student Cash Back

Discover

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($90/yr on $6,000 spend)

No annual fee

Promotional rate — may be time-limited

Enrollment or activation may be required for this rate

DISCOVER
Promotional
1.5¢
per dollar on dining
No annual fee
Annual rewards$90
Net annual value$90

Bonus rate on first $1,500/quarterly, then base rate

No image
23

Bilt Palladium Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 2.1¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($125.40/yr on $6,000 spend)
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.$100/yr $200 of Bilt Cash
  4. 4.Priority Pass Select Lounge Access
  5. 5.$30/yr Instacart+ Savings
MASTERCARD
Core Rate
2.1¢
per dollar on dining
$495/yr
Annual rewards$125.40
\u2212 Annual fee$495
Net annual value-$369.60
Citi Strata Credit Card
24

Citi Strata Credit Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 2.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($149.18/yr on $6,000 spend)
  2. 2.Airport Lounge Access
  3. 3.$50/yr Global Entry or TSA PreCheck Credit
  4. 4.$50/yr $300 Annual Travel Credit

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on dining
No annual fee
Annual rewards$149.18
Net annual value$149.18
Chase Sapphire Preferred Card
25

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 1.9¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($112.86/yr on $6,000 spend)
  2. 2.$25/yr $50 Annual Hotel Credit
  3. 3.Complimentary 4th night at Ennismore Hotel properties
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Auto Rental Coverage
VISA
Core Rate
1.9¢
per dollar on dining
$95/yr($12.77 in credits)
Annual rewards$112.86
+ Credits$12.77
\u2212 Annual fee$95
Net annual value$30.63
Bank of America Customized Cash Rewards Credit Card
26

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points on Dining
3x × 1.0¢/pt = 1.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($94.05/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
1.6¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$94.05
+ Credits$3.77
Net annual value$97.82

Bonus rate on first $2,500/quarterly, then base rate

Marriott Bonvoy Bountiful Credit Card
27

Marriott Bonvoy Bountiful Credit Card

Chase

4x Marriott Bonvoy on Dining
4x × 0.7¢/pt = 1.4¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 0.7¢ each ($84/yr on $6,000 spend)
  2. 2.$90/yr $150 Annual Dining Credit
  3. 3.Marriott Bonvoy Gold Elite Status
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.$15/yr Complimentary DashPass for 12 Months
VISA
Core Rate
1.4¢
per dollar on dining
$250/yr($3.77 in credits)
Annual rewards$84
+ Credits$3.77
\u2212 Annual fee$250
Net annual value-$162.23

Bonus rate on first $15,000/annual, then base rate

Hilton Honors American Express Card
28

Hilton Honors American Express Card

Amex

5x Hilton Honors on Dining
5x × 0.5¢/pt = 1.6¢ per dollar

Why this card

  1. 1.5x on Dining — points worth 0.5¢ each ($97.50/yr on $6,000 spend)

No annual fee

AMEX
Core Rate
1.6¢
per dollar on dining
No annual fee
Annual rewards$97.50
Net annual value$97.50
Bilt Blue Card
29

Bilt Blue Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($120/yr on $6,000 spend)
  2. 2.MasterRental Coverage

No annual fee

MASTERCARD
Core Rate
2.0¢
per dollar on dining
No annual fee
Annual rewards$120
Net annual value$120
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30

Navy Federal More Rewards American Express®

Navy Federal

3x points on Dining

Why this card

  1. 1.3x on Dining ($95.40/yr on $6,000 spend)

No annual fee

AMEX
Core Rate
1.6¢
per dollar on dining
No annual fee
Annual rewards$95.40
Net annual value$95.40

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American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 4.5¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($269.73/yr on $6,000 spend)
  2. 2.$50/yr $100 Resy Credit
  3. 3.$60/yr $120 Dining Credit
  4. 4.$60/yr $120 Uber Cash
  5. 5.$42/yr $84 Dunkin' Credit
AMEX
Core Rate
4.5¢
per dollar on dining
$325/yr
Annual rewards$269.73
\u2212 Annual fee$325
Net annual value-$55.27

Bonus rate on first $25,000/annual, then base rate

Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 3.9¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($232.43/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
3.9¢
per dollar on dining
$95/yr
Annual rewards$232.43
\u2212 Annual fee$95
Net annual value$137.43
Rakuten American Express Card
3

Rakuten American Express Card

First Electronic Bank

2% cash back on Dining

Convertible Cash Back — 2.0–4.0¢/$

This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

Why this card

  1. 1.2% cash back on Dining ($117.50/yr on $6,000 spend)
  2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value
  3. 3.10% via Rakuten Dining (5% portal + 5% card bonus)

No annual fee

AMEX
Convertible
Core Rate
2.0–4.0¢
per dollar on dining
depending on redemption
No annual fee
Annual rewards$117.50
Net annual value$117.50
No image
4

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Dining
2x × 1.9¢/pt = 2.7¢ per dollar

Why this card

  1. 1.$240/yr $300 Annual Capital One Travel Credit
  2. 2.Priority Pass Lounge Access
  3. 3.Capital One Lounge Access
  4. 4.$72/yr Global Entry or TSA PreCheck Credit
  5. 5.Partner Lounge Network
VISA
2.7¢
per dollar on dining
$395/yr
Annual rewards$159.56
\u2212 Annual fee$395
Net annual value-$235.44
Bilt Obsidian Card
5

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 3.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($215.40/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$20/yr Lyft Credits
  4. 4.MasterRental Coverage

$11.63 in credits offset the $95 fee

MASTERCARD
Core Rate
3.6¢
per dollar on dining
$95/yr($11.63 in credits)
Annual rewards$215.40
+ Credits$11.63
\u2212 Annual fee$95
Net annual value$132.03

Bonus rate on first $25,000/annual, then base rate

Chase Sapphire Reserve
6

Chase Sapphire Reserve

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 2.7¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($161.78/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.$60/yr Lyft Monthly Credit
  5. 5.Chase Sapphire Lounge by The Club
VISA
Core Rate
2.7¢
per dollar on dining
$795/yr($92.63 in credits)
Annual rewards$161.78
+ Credits$92.63
\u2212 Annual fee$795
Net annual value-$540.59
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7

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham Rewards on Dining
4x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

$3.77 in credits offset the $75 fee

VISA
Core Rate
2.0¢
per dollar on dining
$75/yr($3.77 in credits)
Annual rewards$120
+ Credits$3.77
\u2212 Annual fee$75
Net annual value$48.77
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8

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($150/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
2.5¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$150
+ Credits$3.77
Net annual value$153.77
No image
9

One Key+ Card

Wells Fargo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($120/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Instacart+ Savings
  4. 4.$20/yr Lyft Credits
  5. 5.Auto Rental Collision Damage Waiver

No annual fee

MASTERCARD
Core Rate
2.0¢
per dollar on dining
No annual fee
Annual rewards$120
Net annual value$120
Citi Custom Cash Card
10

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($165.75/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$30/yr Instacart+ Savings
  5. 5.$30/yr DashPass Subscription
MASTERCARD
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165.75
Net annual value$165.75

Bonus rate on first $500/monthly, then base rate

Wells Fargo Autograph Journey Visa Credit Card
11

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Dining
3x × 1.5¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($137.25/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Travel and Emergency Services Assistance
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Visa Signature Rental Car Privileges

$3.77 in credits offset the $95 fee

VISA
Core Rate
2.3¢
per dollar on dining
$95/yr($3.77 in credits)
Annual rewards$137.25
+ Credits$3.77
\u2212 Annual fee$95
Net annual value$46.02
Capital One Savor Cash Rewards Credit Card
12

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($105/yr on $6,000 spend)
  2. 2.$144/yr Complimentary Uber One Membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits

No annual fee

MASTERCARD
Core Rate
1.8¢
per dollar on dining
No annual fee
Annual rewards$105
Net annual value$105
The Key Rewards Visa
13

The Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($120/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
2.0¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$120
+ Credits$3.77
Net annual value$123.77
BMO Premium Rewards Mastercard®
14

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($131.70/yr on $6,000 spend)
MASTERCARD
Core Rate
2.2¢
per dollar on dining
$95/yr
Annual rewards$131.70
\u2212 Annual fee$95
Net annual value$36.70

Bonus rate on first $2,000/quarterly, then base rate

Navy Federal More Rewards® Card
15

Navy Federal More Rewards® Card

Navy Federal

3x Navy Federal Nrewards on Dining
3x × 1.0¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($110.40/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
1.8¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$110.40
+ Credits$3.77
Net annual value$114.17
Aeroplan® Card
16

Aeroplan® Card

Chase

3x Air Canada Aeroplan on Dining
3x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($90/yr on $6,000 spend)
  2. 2.Free First Checked Bags
  3. 3.Priority Pass Select Lounge Access
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
1.5¢
per dollar on dining
$95/yr($15 in credits)
Annual rewards$90
+ Credits$15
\u2212 Annual fee$95
Net annual value$10
No image
17

TD Cash Credit Card

Td Bank

3x Cashback on Dining
3x × 1.0¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($109.05/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
1.8¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$109.05
+ Credits$3.77
Net annual value$112.82
Citi Strata Elite℠ Card
18

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 1.7¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($101.25/yr on $6,000 spend)
  2. 2.$150/yr Up to $300 Annual Hotel Benefit
  3. 3.Priority Pass™ Select membership
  4. 4.Priority Pass Select Lounge Access
  5. 5.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
MASTERCARD
Core Rate
1.7¢
per dollar on dining
$595/yr($597.50 in credits)
Annual rewards$101.25
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$103.75
U.S. Bank Altitude Connect Visa Signature Card
19

U.S. Bank Altitude Connect Visa Signature Card

Usbank

2x Usbank Altitude Rewards on Dining
2x × 1.0¢/pt = 1.3¢ per dollar

Why this card

  1. 1.2x on Dining — points worth 1.0¢ each ($80.40/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.$72/yr TSA PreCheck® or Global Entry®
  5. 5.Airport lounge access
VISA
Core Rate
1.3¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$80.40
+ Credits$3.77
Net annual value$84.17
Chase Freedom Flex
20

Chase Freedom Flex

Chase

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($67.29/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings
  3. 3.$30/yr DashPass Subscription
  4. 4.$20/yr Lyft Credits
  5. 5.$20/yr DoorDash

No annual fee

Promotional rate — may be time-limited

MASTERCARD
Promotional
1.1¢
per dollar on dining
No annual fee
Annual rewards$67.29
Net annual value$67.29

Bonus rate on first $1,500/quarterly, then base rate

Gemini Credit Card
21

Gemini Credit Card

Genesis Fs

3x Cashback on Dining
3x × 1.0¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($105/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Instacart+ Savings
  4. 4.$20/yr Lyft Credits

No annual fee

MASTERCARD
Core Rate
1.8¢
per dollar on dining
No annual fee
Annual rewards$105
Net annual value$105
Discover it Student Cash Back
22

Discover it Student Cash Back

Discover

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($90/yr on $6,000 spend)

No annual fee

Promotional rate — may be time-limited

Enrollment or activation may be required for this rate

DISCOVER
Promotional
1.5¢
per dollar on dining
No annual fee
Annual rewards$90
Net annual value$90

Bonus rate on first $1,500/quarterly, then base rate

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23

Bilt Palladium Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 2.1¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($125.40/yr on $6,000 spend)
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.$100/yr $200 of Bilt Cash
  4. 4.Priority Pass Select Lounge Access
  5. 5.$30/yr Instacart+ Savings
MASTERCARD
Core Rate
2.1¢
per dollar on dining
$495/yr
Annual rewards$125.40
\u2212 Annual fee$495
Net annual value-$369.60
Citi Strata Credit Card
24

Citi Strata Credit Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 2.5¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($149.18/yr on $6,000 spend)
  2. 2.Airport Lounge Access
  3. 3.$50/yr Global Entry or TSA PreCheck Credit
  4. 4.$50/yr $300 Annual Travel Credit

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on dining
No annual fee
Annual rewards$149.18
Net annual value$149.18
Chase Sapphire Preferred Card
25

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Dining
3x × 1.8¢/pt = 1.9¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.8¢ each ($112.86/yr on $6,000 spend)
  2. 2.$25/yr $50 Annual Hotel Credit
  3. 3.Complimentary 4th night at Ennismore Hotel properties
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Auto Rental Coverage
VISA
Core Rate
1.9¢
per dollar on dining
$95/yr($12.77 in credits)
Annual rewards$112.86
+ Credits$12.77
\u2212 Annual fee$95
Net annual value$30.63
Bank of America Customized Cash Rewards Credit Card
26

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points on Dining
3x × 1.0¢/pt = 1.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($94.05/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
1.6¢
per dollar on dining
No annual fee($3.77 in credits)
Annual rewards$94.05
+ Credits$3.77
Net annual value$97.82

Bonus rate on first $2,500/quarterly, then base rate

Marriott Bonvoy Bountiful Credit Card
27

Marriott Bonvoy Bountiful Credit Card

Chase

4x Marriott Bonvoy on Dining
4x × 0.7¢/pt = 1.4¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 0.7¢ each ($84/yr on $6,000 spend)
  2. 2.$90/yr $150 Annual Dining Credit
  3. 3.Marriott Bonvoy Gold Elite Status
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.$15/yr Complimentary DashPass for 12 Months
VISA
Core Rate
1.4¢
per dollar on dining
$250/yr($3.77 in credits)
Annual rewards$84
+ Credits$3.77
\u2212 Annual fee$250
Net annual value-$162.23

Bonus rate on first $15,000/annual, then base rate

Hilton Honors American Express Card
28

Hilton Honors American Express Card

Amex

5x Hilton Honors on Dining
5x × 0.5¢/pt = 1.6¢ per dollar

Why this card

  1. 1.5x on Dining — points worth 0.5¢ each ($97.50/yr on $6,000 spend)

No annual fee

AMEX
Core Rate
1.6¢
per dollar on dining
No annual fee
Annual rewards$97.50
Net annual value$97.50
Bilt Blue Card
29

Bilt Blue Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($120/yr on $6,000 spend)
  2. 2.MasterRental Coverage

No annual fee

MASTERCARD
Core Rate
2.0¢
per dollar on dining
No annual fee
Annual rewards$120
Net annual value$120
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30

Navy Federal More Rewards American Express®

Navy Federal

3x points on Dining

Why this card

  1. 1.3x on Dining ($95.40/yr on $6,000 spend)

No annual fee

AMEX
Core Rate
1.6¢
per dollar on dining
No annual fee
Annual rewards$95.40
Net annual value$95.40