LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Editorial picks

Best Credit Cards for Dining in 2026

The top credit cards for restaurant spending in 2026, ranked by dining rewards rate, coverage of delivery and takeout, and total annual value for frequent diners.

Fintiex Editorial · Updated 2026Ranked

For pure dining earning power, the Amex Gold at 4x is the top choice for cardholders who will use its $240 in annual credits. For no-fee dining rewards, the Chase Freedom Flex at 3% year-round (and 5% during dining bonus quarters) is the benchmark.

The Sapphire Preferred and Sapphire Reserve both earn 3x on dining as part of a broader travel rewards strategy. If you are already using Chase, the Freedom Flex covers dining at the same rate without the annual fee, freeing your fee budget for the Sapphire card's travel benefits.

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Different use case? Different best card.

We rank cards by job, not by overall score. Browse the full set of category winners.

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