Best Dining Credit Cards of May 2026

BCC Editor's Pick 2026

Rates & Fees

Chase Freedom Unlimited®

5.0 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Rewards Rate

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa®

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Pros

Lengthy 0% intro APR on purchases and balance transfers
Ability to easily combine points with your other Chase Travel℠ credit cards

Cons

There is a foreign transaction fee of 3% of each transaction in U.S. dollars
At 18.24% - 27.74% Variable, the ongoing APR is relatively high

BCC Editor's Pick 2026

Rates & Fees

Citi Strata℠ Card

4.5 BCC Score

Apply Now

on Citibank's secure site

Welcome Offer

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

Rewards Rate

Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.

Intro APR

0% for 15 months on Purchases and 0% for 15 months on Balance Transfers, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
No Annual Fee

Pros

Enjoy a generous rewards structure and welcome offer.
Get a lengthy intro APR on both purchases and balance transfers.
Pay no annual fee.

Cons

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
There is a 3% foreign transaction fee.

Rates & Fees

Discover it® Cash Back

4.5 BCC Score

Apply Now

on Discover's secure site

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year

Rewards Rate

5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro APR

0% Intro APR for 15 months, then 17.49% - 26.49% Variable APR

Annual Fee

$0

Credit Score Needed

Good, Excellent

Card Brand

Discover

INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount. No annual fee.
Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
Terms and conditions apply.

Pros

One of the most rewarding Cash Back programs available
0% Intro APR for 15 months on purchases and balance transfers, 17.49% - 26.49% Variable APR after that
No annual fee, no foreign transaction fees, and award-winning customer service

Cons

There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
A quarterly cap on the 5% cash back applies

Rates & Fees

Wells Fargo Autograph® Card

4.0 BCC Score

Apply Now

on Wells Fargo's secure site

Welcome Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value

Rewards Rate

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Intro APR

0% intro APR for 12 months from account opening on purchases and N/A, then 18.49%, 24.49%, or 28.49% Variable APR

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Visa

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Pros

No cap on the 3X Points categories
Enjoy up to $600 of cell phone protection
Enjoy all these perks while paying no annual fee for card membership

Cons

No intro APR for balance transfers
There is an ongoing balance transfer fee

Rates & Fees

Capital One Quicksilver Cash Rewards Credit Card

4.5 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening

Rewards Rate

1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel

Intro APR

0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard®

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
Top rated mobile app

Pros

1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
Lengthy intro APR on purchases and balance transfers. Balance transfer fee applies
No annual fee, no foreign transaction fees, and no minimums for redeeming cash back

Cons

Some cards offer more than 1.5% Cash Back, although they typically come with restrictions
Balance transfer fee applies

Rates & Fees

Chase Freedom Flex®

4.5 BCC Score

Apply Now

on Chase's secure site

Welcome Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Rewards Rate

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases

Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Mastercard

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC

Pros

Earn up to 5% cash back on select purchases
The spend threshold to earn the welcome offer is significantly lower than most credit cards
Escape high interest rates with a lengthy intro APR on purchases and balance transfers

Cons

There is a foreign transaction fee of 3% of each transaction in U.S. dollars
There is a cap on the 5% cash back in rotating quarterly categories

Rates & Fees

Wells Fargo Active Cash® Card

4.5 BCC Score

Apply Now

on Wells Fargo's secure site

Welcome Offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Rewards Rate

Earn unlimited 2% cash rewards on purchases

Intro APR

0% intro APR for 12 months from account opening on purchases and 0% intro APR for 12 months from account opening on qualifying balance transfers, then 18.49%, 24.49%, or 28.49% Variable APR

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Pros

Earn unlimited 2% cash rewards on purchases with no strings attached
Score a hefty welcome bonus and pay no annual fee
Enjoy a year of 0% intro APR on purchases and qualifying balance transfers

Cons

There is a foreign transaction fee of 3%
Balance transfers will incur a fee of 3% intro for 120 days from account opening, then up to 5%, min: $5

Rates & Fees

Capital One Venture Rewards Credit Card

5.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

Rewards Rate

2 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel

Intro APR

N/A, then 19.49% - 28.49% (Variable)

Annual Fee

$95

Credit Score Needed

Excellent, Good

Card Brand

Mastercard®

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
Top rated mobile app

Pros

Simplify your rewards with a flat rate of 2 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
Industry-leading flexibility for travel redemptions – choose between statement credits or transferring miles
The hefty sign up bonus allows you to take to the skies even sooner

Cons

No intro APR on purchases or balance transfers. Balance Transfer Fee applies to balances transferred at a promotional rate
The $95 annual fee is not waived the first year, although the rewards tend to outweigh the cost of the fee

Rates & Fees

American Express® Gold Card

4.0 BCC Score

Apply Now

on American Express' secure site

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Rewards Rate

4X Membership Rewards® points at Restaurants worldwide (up to $50,000 in purchases per calendar year, then 1X), 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.

Intro APR

N/A, then See Pay Over Time APR

Annual Fee

$325

Credit Score Needed

Good, Excellent

Card Brand

AMEX

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Pros

Earn 4X Membership Rewards® points on select purchases
Enjoy special statement credits with Resy, Dunkin', and more (enrollment required)
Pay no foreign transaction fees

Cons

The annual fee is not waived the first year
There is an annual cap on the 4X Membership Rewards® points at U.S. supermarkets and restaurants