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  • Blog
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  • Documentation
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student credit card

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About
  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
  • Cookie Policy
  • Accessibility

Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

Programs

Networks

Refine results

How do you usually dine?

Do you shop at Costco?

Do you use DashPass or Uber One?

Do you use Resy for reservations?

No annual fee only?

Resolved as:Dining
Concept: Student Cards
+3 more
Cached
75%
Scores include 5% Rakuten Dining portal stacking on all cards
Not right? Try:
50 matches279ms

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

American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($237.60/yr on $6,000 spend)
  2. 2.$60/yr $120 Uber Cash
  3. 3.$50/yr $100 Resy Credit
  4. 4.$60/yr $120 Dining Credit
  5. 5.$42/yr $84 Dunkin' Credit
AMEX
Core Rate
4.0¢
per dollar on dining
$325/yr
Annual rewards$237.60
\u2212 Annual fee$325
Net annual value-$87.40

Bonus rate on first $50,000/annual, then base rate

Citi Custom Cash Card
2

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($225/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$20/yr Lyft Credits
  5. 5.$30/yr DashPass Subscription
MASTERCARD
Core Rate
3.8¢
per dollar on dining
No annual fee
Annual rewards$225
Net annual value$225

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

No image
3

Wyndham Rewards Earner Plus Card

Barclays

6x Wyndham Rewards on Dining
6x × 1.0¢/pt = 3.4¢ per dollar

Why this card

  1. 1.6x on Dining — points worth 1.0¢ each ($204/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

$0.48 in credits offset the $75 fee

VISA
Core Rate
3.4¢
per dollar on dining
$75/yr($0.48 in credits)
Annual rewards$204
+ Credits$0.48
\u2212 Annual fee$75
Net annual value$129.48
No image
4

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Dining
2x × 1.9¢/pt = 3.1¢ per dollar

Why this card

  1. 1.$240/yr $300 Annual Capital One Travel Credit
  2. 2.Capital One Lounge Access
  3. 3.Priority Pass Lounge Access
  4. 4.Partner Lounge Network
  5. 5.$72/yr Global Entry or TSA PreCheck Credit
VISA
3.1¢
per dollar on dining
$395/yr
Annual rewards$188.70
\u2212 Annual fee$395
Net annual value-$206.30
Citi Strata Premier Card
5

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 3.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($202.50/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
3.4¢
per dollar on dining
$95/yr
Annual rewards$202.50
\u2212 Annual fee$95
Net annual value$107.50
Rakuten American Express Card
6

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 ($103.40/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$103.40
Net annual value$103.40
Bilt Obsidian Card
7

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 3.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($198/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.MasterRental Coverage
  4. 4.$30/yr Instacart+ Savings

$3 in credits offset the $95 fee

MASTERCARD
Core Rate
3.3¢
per dollar on dining
$95/yr($3 in credits)
Annual rewards$198
+ Credits$3
\u2212 Annual fee$95
Net annual value$106

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

No image
8

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($180/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
3.0¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$180
+ Credits$0.48
Net annual value$180.48
No image
9

One Key+ Card

Wells Fargo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($135/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
2.3¢
per dollar on dining
No annual fee
Annual rewards$135
Net annual value$135
Bank of America Customized Cash Rewards Credit Card
10

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points on Dining
3x × 1.0¢/pt = 2.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($165/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

Citi Strata Credit Card
11

Citi Strata Credit Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 2.9¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($175.50/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
2.9¢
per dollar on dining
No annual fee
Annual rewards$175.50
Net annual value$175.50
BMO Premium Rewards Mastercard®
12

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($180/yr on $6,000 spend)
MASTERCARD
Core Rate
3.0¢
per dollar on dining
$95/yr
Annual rewards$180
\u2212 Annual fee$95
Net annual value$85

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

No image
13

PenFed Platinum Rewards Visa Signature® Card

Penfed

5x points on Dining

Why this card

  1. 1.5x on Dining ($159/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
2.6¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$159
+ Credits$0.48
Net annual value$159.48
No image
14

Wyndham Rewards Earner Card

Barclays

5x Wyndham Rewards on Dining
5x × 1.0¢/pt = 2.1¢ per dollar

Why this card

  1. 1.5x on Dining — points worth 1.0¢ each ($126/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges
  5. 5.Automatic Gold Level Benefits!

No annual fee

VISA
Core Rate
2.1¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$126
+ Credits$0.48
Net annual value$126.48
Capital One Savor Cash Rewards Credit Card
15

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($117/yr on $6,000 spend)
  2. 2.$144/yr Complimentary Uber One Membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
1.9¢
per dollar on dining
No annual fee
Annual rewards$117
Net annual value$117
Bank of America® Customized Cash Rewards for Students
16

Bank of America® Customized Cash Rewards for Students

Bank Of America

3x points on Dining

Why this card

  1. 1.3x on Dining ($165/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

Hilton Honors American Express Surpass Card
17

Hilton Honors American Express Surpass Card

Amex

6x Hilton Honors on Dining
6x × 0.5¢/pt = 2.8¢ per dollar

Why this card

  1. 1.6x on Dining — points worth 0.5¢ each ($165/yr on $6,000 spend)

$100 in credits offset the $150 fee

AMEX
Core Rate
2.8¢
per dollar on dining
$150/yr($100 in credits)
Annual rewards$165
+ Credits$100
\u2212 Annual fee$150
Net annual value$115
U.S. Bank Altitude Connect Visa Signature Card
18

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Dining
4x × 1.0¢/pt = 1.9¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($114/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Airport lounge access
VISA
Core Rate
1.9¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$114
+ Credits$0.48
Net annual value$114.48

Bonus rate on first $1,000/quarterly, then base rate

Wells Fargo Autograph Journey Visa Credit Card
19

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 ($135/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Travel and Emergency Services Assistance
  5. 5.Visa Signature Rental Car Privileges

$0.48 in credits offset the $95 fee

VISA
Core Rate
2.3¢
per dollar on dining
$95/yr($0.48 in credits)
Annual rewards$135
+ Credits$0.48
\u2212 Annual fee$95
Net annual value$40.48
Navy Federal More Rewards® Card
20

Navy Federal More Rewards® Card

Navy Federal

3x Navy Federal Nrewards on Dining
3x × 1.0¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
Susan G. Komen® Customized Cash Rewards
21

Susan G. Komen® Customized Cash Rewards

Bank Of America

3x points on Dining

Why this card

  1. 1.3x on Dining ($165/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

No image
22

Sam’s Club World Elite Mastercard® (Club members)

Synchrony

5x points on Dining

Why this card

  1. 1.5x on Dining ($114/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
1.9¢
per dollar on dining
No annual fee
Annual rewards$114
Net annual value$114

Bonus rate on first $6,000/annual, then base rate

No image
23

TD Cash Credit Card

Td Bank

3x Cashback on Dining
3x × 1.0¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
Bank of America® Customized Cash Rewards Secured
24

Bank of America® Customized Cash Rewards Secured

Bank Of America

3x points on Dining

Why this card

  1. 1.3x on Dining ($165/yr on $6,000 spend)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

bp rewards Visa®
25

bp rewards Visa®

Fnbo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($147/yr on $6,000 spend)

No annual fee

VISA
Core Rate
2.5¢
per dollar on dining
No annual fee
Annual rewards$147
Net annual value$147
Wells Fargo Autograph Visa Credit Card
26

Wells Fargo Autograph 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 ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
No image
27

Venmo Credit Card

Synchrony

3x Cashback on Dining
3x × 1.0¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
No image
28

Navy Federal More Rewards American Express®

Navy Federal

3x points on Dining

Why this card

  1. 1.3x on Dining ($135/yr on $6,000 spend)

No annual fee

AMEX
Core Rate
2.3¢
per dollar on dining
No annual fee($12.25 in credits)
Annual rewards$135
+ Credits$12.25
Net annual value$147.25
Pottery Barn Key Rewards Visa
29

Pottery Barn Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($132/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
2.2¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$132
+ Credits$0.48
Net annual value$132.48
Aeroplan® Card
30

Aeroplan® Card

Chase

3x Air Canada Aeroplan on Dining
3x × 1.0¢/pt = 1.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($99/yr on $6,000 spend)
  2. 2.Free First Checked Bags
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.Auto Rental Collision Damage Waiver
MASTERCARD
Core Rate
1.6¢
per dollar on dining
$95/yr($15 in credits)
Annual rewards$99
+ Credits$15
\u2212 Annual fee$95
Net annual value$19

Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

Programs

Networks

Refine results

How do you usually dine?

Do you shop at Costco?

Do you use DashPass or Uber One?

Do you use Resy for reservations?

No annual fee only?

Resolved as:Dining
Concept: Student Cards
+3 more
Cached
75%
Scores include 5% Rakuten Dining portal stacking on all cards
Not right? Try:
50 matches279ms

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

American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($237.60/yr on $6,000 spend)
  2. 2.$60/yr $120 Uber Cash
  3. 3.$50/yr $100 Resy Credit
  4. 4.$60/yr $120 Dining Credit
  5. 5.$42/yr $84 Dunkin' Credit
AMEX
Core Rate
4.0¢
per dollar on dining
$325/yr
Annual rewards$237.60
\u2212 Annual fee$325
Net annual value-$87.40

Bonus rate on first $50,000/annual, then base rate

Citi Custom Cash Card
2

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($225/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$20/yr Lyft Credits
  5. 5.$30/yr DashPass Subscription
MASTERCARD
Core Rate
3.8¢
per dollar on dining
No annual fee
Annual rewards$225
Net annual value$225

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

No image
3

Wyndham Rewards Earner Plus Card

Barclays

6x Wyndham Rewards on Dining
6x × 1.0¢/pt = 3.4¢ per dollar

Why this card

  1. 1.6x on Dining — points worth 1.0¢ each ($204/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

$0.48 in credits offset the $75 fee

VISA
Core Rate
3.4¢
per dollar on dining
$75/yr($0.48 in credits)
Annual rewards$204
+ Credits$0.48
\u2212 Annual fee$75
Net annual value$129.48
No image
4

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Dining
2x × 1.9¢/pt = 3.1¢ per dollar

Why this card

  1. 1.$240/yr $300 Annual Capital One Travel Credit
  2. 2.Capital One Lounge Access
  3. 3.Priority Pass Lounge Access
  4. 4.Partner Lounge Network
  5. 5.$72/yr Global Entry or TSA PreCheck Credit
VISA
3.1¢
per dollar on dining
$395/yr
Annual rewards$188.70
\u2212 Annual fee$395
Net annual value-$206.30
Citi Strata Premier Card
5

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 3.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($202.50/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
3.4¢
per dollar on dining
$95/yr
Annual rewards$202.50
\u2212 Annual fee$95
Net annual value$107.50
Rakuten American Express Card
6

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 ($103.40/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$103.40
Net annual value$103.40
Bilt Obsidian Card
7

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 3.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($198/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.MasterRental Coverage
  4. 4.$30/yr Instacart+ Savings

$3 in credits offset the $95 fee

MASTERCARD
Core Rate
3.3¢
per dollar on dining
$95/yr($3 in credits)
Annual rewards$198
+ Credits$3
\u2212 Annual fee$95
Net annual value$106

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

No image
8

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($180/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
3.0¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$180
+ Credits$0.48
Net annual value$180.48
No image
9

One Key+ Card

Wells Fargo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($135/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
2.3¢
per dollar on dining
No annual fee
Annual rewards$135
Net annual value$135
Bank of America Customized Cash Rewards Credit Card
10

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points on Dining
3x × 1.0¢/pt = 2.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($165/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

Citi Strata Credit Card
11

Citi Strata Credit Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 2.9¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($175.50/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
2.9¢
per dollar on dining
No annual fee
Annual rewards$175.50
Net annual value$175.50
BMO Premium Rewards Mastercard®
12

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($180/yr on $6,000 spend)
MASTERCARD
Core Rate
3.0¢
per dollar on dining
$95/yr
Annual rewards$180
\u2212 Annual fee$95
Net annual value$85

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

No image
13

PenFed Platinum Rewards Visa Signature® Card

Penfed

5x points on Dining

Why this card

  1. 1.5x on Dining ($159/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
2.6¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$159
+ Credits$0.48
Net annual value$159.48
No image
14

Wyndham Rewards Earner Card

Barclays

5x Wyndham Rewards on Dining
5x × 1.0¢/pt = 2.1¢ per dollar

Why this card

  1. 1.5x on Dining — points worth 1.0¢ each ($126/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges
  5. 5.Automatic Gold Level Benefits!

No annual fee

VISA
Core Rate
2.1¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$126
+ Credits$0.48
Net annual value$126.48
Capital One Savor Cash Rewards Credit Card
15

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($117/yr on $6,000 spend)
  2. 2.$144/yr Complimentary Uber One Membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
1.9¢
per dollar on dining
No annual fee
Annual rewards$117
Net annual value$117
Bank of America® Customized Cash Rewards for Students
16

Bank of America® Customized Cash Rewards for Students

Bank Of America

3x points on Dining

Why this card

  1. 1.3x on Dining ($165/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

Hilton Honors American Express Surpass Card
17

Hilton Honors American Express Surpass Card

Amex

6x Hilton Honors on Dining
6x × 0.5¢/pt = 2.8¢ per dollar

Why this card

  1. 1.6x on Dining — points worth 0.5¢ each ($165/yr on $6,000 spend)

$100 in credits offset the $150 fee

AMEX
Core Rate
2.8¢
per dollar on dining
$150/yr($100 in credits)
Annual rewards$165
+ Credits$100
\u2212 Annual fee$150
Net annual value$115
U.S. Bank Altitude Connect Visa Signature Card
18

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Dining
4x × 1.0¢/pt = 1.9¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($114/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Airport lounge access
VISA
Core Rate
1.9¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$114
+ Credits$0.48
Net annual value$114.48

Bonus rate on first $1,000/quarterly, then base rate

Wells Fargo Autograph Journey Visa Credit Card
19

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 ($135/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Travel and Emergency Services Assistance
  5. 5.Visa Signature Rental Car Privileges

$0.48 in credits offset the $95 fee

VISA
Core Rate
2.3¢
per dollar on dining
$95/yr($0.48 in credits)
Annual rewards$135
+ Credits$0.48
\u2212 Annual fee$95
Net annual value$40.48
Navy Federal More Rewards® Card
20

Navy Federal More Rewards® Card

Navy Federal

3x Navy Federal Nrewards on Dining
3x × 1.0¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
Susan G. Komen® Customized Cash Rewards
21

Susan G. Komen® Customized Cash Rewards

Bank Of America

3x points on Dining

Why this card

  1. 1.3x on Dining ($165/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

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22

Sam’s Club World Elite Mastercard® (Club members)

Synchrony

5x points on Dining

Why this card

  1. 1.5x on Dining ($114/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
1.9¢
per dollar on dining
No annual fee
Annual rewards$114
Net annual value$114

Bonus rate on first $6,000/annual, then base rate

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23

TD Cash Credit Card

Td Bank

3x Cashback on Dining
3x × 1.0¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
Bank of America® Customized Cash Rewards Secured
24

Bank of America® Customized Cash Rewards Secured

Bank Of America

3x points on Dining

Why this card

  1. 1.3x on Dining ($165/yr on $6,000 spend)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

bp rewards Visa®
25

bp rewards Visa®

Fnbo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($147/yr on $6,000 spend)

No annual fee

VISA
Core Rate
2.5¢
per dollar on dining
No annual fee
Annual rewards$147
Net annual value$147
Wells Fargo Autograph Visa Credit Card
26

Wells Fargo Autograph 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 ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
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27

Venmo Credit Card

Synchrony

3x Cashback on Dining
3x × 1.0¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
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28

Navy Federal More Rewards American Express®

Navy Federal

3x points on Dining

Why this card

  1. 1.3x on Dining ($135/yr on $6,000 spend)

No annual fee

AMEX
Core Rate
2.3¢
per dollar on dining
No annual fee($12.25 in credits)
Annual rewards$135
+ Credits$12.25
Net annual value$147.25
Pottery Barn Key Rewards Visa
29

Pottery Barn Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($132/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
2.2¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$132
+ Credits$0.48
Net annual value$132.48
Aeroplan® Card
30

Aeroplan® Card

Chase

3x Air Canada Aeroplan on Dining
3x × 1.0¢/pt = 1.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($99/yr on $6,000 spend)
  2. 2.Free First Checked Bags
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.Auto Rental Collision Damage Waiver
MASTERCARD
Core Rate
1.6¢
per dollar on dining
$95/yr($15 in credits)
Annual rewards$99
+ Credits$15
\u2212 Annual fee$95
Net annual value$19

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Resolved as:Dining
Concept: Student Cards
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Scores include 5% Rakuten Dining portal stacking on all cards
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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

American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on Dining
4x × 1.8¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.8¢ each ($237.60/yr on $6,000 spend)
  2. 2.$60/yr $120 Uber Cash
  3. 3.$50/yr $100 Resy Credit
  4. 4.$60/yr $120 Dining Credit
  5. 5.$42/yr $84 Dunkin' Credit
AMEX
Core Rate
4.0¢
per dollar on dining
$325/yr
Annual rewards$237.60
\u2212 Annual fee$325
Net annual value-$87.40

Bonus rate on first $50,000/annual, then base rate

Citi Custom Cash Card
2

Citi Custom Cash Card

Citi

5% cash back on Dining

Why this card

  1. 1.5% cash back on Dining ($225/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$20/yr Lyft Credits
  5. 5.$30/yr DashPass Subscription
MASTERCARD
Core Rate
3.8¢
per dollar on dining
No annual fee
Annual rewards$225
Net annual value$225

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

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3

Wyndham Rewards Earner Plus Card

Barclays

6x Wyndham Rewards on Dining
6x × 1.0¢/pt = 3.4¢ per dollar

Why this card

  1. 1.6x on Dining — points worth 1.0¢ each ($204/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

$0.48 in credits offset the $75 fee

VISA
Core Rate
3.4¢
per dollar on dining
$75/yr($0.48 in credits)
Annual rewards$204
+ Credits$0.48
\u2212 Annual fee$75
Net annual value$129.48
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4

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Dining
2x × 1.9¢/pt = 3.1¢ per dollar

Why this card

  1. 1.$240/yr $300 Annual Capital One Travel Credit
  2. 2.Capital One Lounge Access
  3. 3.Priority Pass Lounge Access
  4. 4.Partner Lounge Network
  5. 5.$72/yr Global Entry or TSA PreCheck Credit
VISA
3.1¢
per dollar on dining
$395/yr
Annual rewards$188.70
\u2212 Annual fee$395
Net annual value-$206.30
Citi Strata Premier Card
5

Citi Strata Premier Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 3.4¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($202.50/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
3.4¢
per dollar on dining
$95/yr
Annual rewards$202.50
\u2212 Annual fee$95
Net annual value$107.50
Rakuten American Express Card
6

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 ($103.40/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$103.40
Net annual value$103.40
Bilt Obsidian Card
7

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Dining
3x × 2.0¢/pt = 3.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 2.0¢ each ($198/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.MasterRental Coverage
  4. 4.$30/yr Instacart+ Savings

$3 in credits offset the $95 fee

MASTERCARD
Core Rate
3.3¢
per dollar on dining
$95/yr($3 in credits)
Annual rewards$198
+ Credits$3
\u2212 Annual fee$95
Net annual value$106

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

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8

Verizon Visa Card

Synchrony

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($180/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
3.0¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$180
+ Credits$0.48
Net annual value$180.48
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9

One Key+ Card

Wells Fargo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($135/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
2.3¢
per dollar on dining
No annual fee
Annual rewards$135
Net annual value$135
Bank of America Customized Cash Rewards Credit Card
10

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points on Dining
3x × 1.0¢/pt = 2.8¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($165/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

Citi Strata Credit Card
11

Citi Strata Credit Card

Citi

3x ThankYou Points on Dining
3x × 1.5¢/pt = 2.9¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.5¢ each ($175.50/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
2.9¢
per dollar on dining
No annual fee
Annual rewards$175.50
Net annual value$175.50
BMO Premium Rewards Mastercard®
12

BMO Premium Rewards Mastercard®

Bmo

4x points on Dining

Why this card

  1. 1.4x on Dining ($180/yr on $6,000 spend)
MASTERCARD
Core Rate
3.0¢
per dollar on dining
$95/yr
Annual rewards$180
\u2212 Annual fee$95
Net annual value$85

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

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13

PenFed Platinum Rewards Visa Signature® Card

Penfed

5x points on Dining

Why this card

  1. 1.5x on Dining ($159/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
2.6¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$159
+ Credits$0.48
Net annual value$159.48
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14

Wyndham Rewards Earner Card

Barclays

5x Wyndham Rewards on Dining
5x × 1.0¢/pt = 2.1¢ per dollar

Why this card

  1. 1.5x on Dining — points worth 1.0¢ each ($126/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges
  5. 5.Automatic Gold Level Benefits!

No annual fee

VISA
Core Rate
2.1¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$126
+ Credits$0.48
Net annual value$126.48
Capital One Savor Cash Rewards Credit Card
15

Capital One Savor Cash Rewards Credit Card

Capital One

4% cash back on Dining

Why this card

  1. 1.4% cash back on Dining ($117/yr on $6,000 spend)
  2. 2.$144/yr Complimentary Uber One Membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
1.9¢
per dollar on dining
No annual fee
Annual rewards$117
Net annual value$117
Bank of America® Customized Cash Rewards for Students
16

Bank of America® Customized Cash Rewards for Students

Bank Of America

3x points on Dining

Why this card

  1. 1.3x on Dining ($165/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

Hilton Honors American Express Surpass Card
17

Hilton Honors American Express Surpass Card

Amex

6x Hilton Honors on Dining
6x × 0.5¢/pt = 2.8¢ per dollar

Why this card

  1. 1.6x on Dining — points worth 0.5¢ each ($165/yr on $6,000 spend)

$100 in credits offset the $150 fee

AMEX
Core Rate
2.8¢
per dollar on dining
$150/yr($100 in credits)
Annual rewards$165
+ Credits$100
\u2212 Annual fee$150
Net annual value$115
U.S. Bank Altitude Connect Visa Signature Card
18

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Dining
4x × 1.0¢/pt = 1.9¢ per dollar

Why this card

  1. 1.4x on Dining — points worth 1.0¢ each ($114/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Airport lounge access
VISA
Core Rate
1.9¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$114
+ Credits$0.48
Net annual value$114.48

Bonus rate on first $1,000/quarterly, then base rate

Wells Fargo Autograph Journey Visa Credit Card
19

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 ($135/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Travel and Emergency Services Assistance
  5. 5.Visa Signature Rental Car Privileges

$0.48 in credits offset the $95 fee

VISA
Core Rate
2.3¢
per dollar on dining
$95/yr($0.48 in credits)
Annual rewards$135
+ Credits$0.48
\u2212 Annual fee$95
Net annual value$40.48
Navy Federal More Rewards® Card
20

Navy Federal More Rewards® Card

Navy Federal

3x Navy Federal Nrewards on Dining
3x × 1.0¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
Susan G. Komen® Customized Cash Rewards
21

Susan G. Komen® Customized Cash Rewards

Bank Of America

3x points on Dining

Why this card

  1. 1.3x on Dining ($165/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

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22

Sam’s Club World Elite Mastercard® (Club members)

Synchrony

5x points on Dining

Why this card

  1. 1.5x on Dining ($114/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
Core Rate
1.9¢
per dollar on dining
No annual fee
Annual rewards$114
Net annual value$114

Bonus rate on first $6,000/annual, then base rate

No image
23

TD Cash Credit Card

Td Bank

3x Cashback on Dining
3x × 1.0¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
Bank of America® Customized Cash Rewards Secured
24

Bank of America® Customized Cash Rewards Secured

Bank Of America

3x points on Dining

Why this card

  1. 1.3x on Dining ($165/yr on $6,000 spend)

No annual fee

VISA
Core Rate
2.8¢
per dollar on dining
No annual fee
Annual rewards$165
Net annual value$165

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

bp rewards Visa®
25

bp rewards Visa®

Fnbo

3% cash back on Dining

Why this card

  1. 1.3% cash back on Dining ($147/yr on $6,000 spend)

No annual fee

VISA
Core Rate
2.5¢
per dollar on dining
No annual fee
Annual rewards$147
Net annual value$147
Wells Fargo Autograph Visa Credit Card
26

Wells Fargo Autograph 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 ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
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27

Venmo Credit Card

Synchrony

3x Cashback on Dining
3x × 1.0¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($135/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
2.3¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$135
+ Credits$0.48
Net annual value$135.48
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28

Navy Federal More Rewards American Express®

Navy Federal

3x points on Dining

Why this card

  1. 1.3x on Dining ($135/yr on $6,000 spend)

No annual fee

AMEX
Core Rate
2.3¢
per dollar on dining
No annual fee($12.25 in credits)
Annual rewards$135
+ Credits$12.25
Net annual value$147.25
Pottery Barn Key Rewards Visa
29

Pottery Barn Key Rewards Visa

Capital One

4x points on Dining

Why this card

  1. 1.4x on Dining ($132/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
2.2¢
per dollar on dining
No annual fee($0.48 in credits)
Annual rewards$132
+ Credits$0.48
Net annual value$132.48
Aeroplan® Card
30

Aeroplan® Card

Chase

3x Air Canada Aeroplan on Dining
3x × 1.0¢/pt = 1.6¢ per dollar

Why this card

  1. 1.3x on Dining — points worth 1.0¢ each ($99/yr on $6,000 spend)
  2. 2.Free First Checked Bags
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.Auto Rental Collision Damage Waiver
MASTERCARD
Core Rate
1.6¢
per dollar on dining
$95/yr($15 in credits)
Annual rewards$99
+ Credits$15
\u2212 Annual fee$95
Net annual value$19