Madeen encyclopedia

Dining

Madeen ranks credit cards for dining by effective rate — earn multiplier times cents-per-point. Top cards below from 1612 in our catalog. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

What is the best credit card for dining?

Credit One Bank Wander® American Express® leads on effective rate for dining in our snapshot at 5%. Your best card depends on fees and spend. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

How does Madeen rank dining cards?

Madeen effective rate equals category multiplier times estimated cash value per point. Issuer pages control current rules and caps. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Ranked by Madeen effective rate in each card's strongest category. Issuer terms control current offers.

Card Issuer Top category Effective rate Annual fee
Credit One Bank Wander American Express Credit One Dining 5% $95
Robinhood Platinum Card Coastal Community Bank Dining 5% $695
Discover it Cash Back Discover Dining 5% $0
Discover It Student Cash Back Discover Dining 5% $0
NHL Discover It Discover Dining 5% $0
Amtrak Guest Rewards Mastercard FNBO Dining 5% $0
Amtrak Guest Rewards Preferred Mastercard FNBO Dining 5% $99
Vantage West Connect Rewards Visa Signature Vantage West Credit Union Dining 5% $0
Best Western Rewards Mastercard FNBO Dining 4.6% $0
Best Western Rewards Premium Mastercard FNBO Dining 4.6% $0
Aeroplan Card Chase Dining 4.5% $95
BMO Escape BMO Dining 4% $150
1st Source Bank Visa Everyday Rewards+ 1st Source Bank Dining 4% $0
A+ Federal Credit Union Visa Everyday Rewards+ A+ Federal Credit Union Dining 4% $0
Abby Bank Visa Everyday Rewards+ Abby Bank Dining 4% $0
Air Academy Credit Union Visa Everyday Rewards+ Air Academy Credit Union Dining 4% $0
Alerus Visa Everyday Rewards+ Alerus Dining 4% $0
Allegiance Credit Union Visa Everyday Rewards+ Allegiance Credit Union Dining 4% $0
Alliance Credit Union Visa Everyday Rewards+ Alliance Credit Union Dining 4% $0
AllSouth Federal Credit Union Visa Everyday Rewards+ AllSouth Federal Credit Union Dining 4% $0

Related Madeen guides

Frequently asked questions

What is Dining?
Spend category hub for dining purchases. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Does Madeen guarantee approval or bonus eligibility?
No. Madeen summarizes public catalog and issuer information for education. Approval, offers, and benefit enrollment are controlled by issuers and can change. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.

Madeen analysis. Data from catalog snapshot 2026-06-01. Last reviewed 2026-06-01. Reviewed by Madeen editorial review. Issuer pages control rewards, fees, benefits, and eligibility.

Issuer source Editorial methodology Card rules index