Best Restaurants Credit Cards of June 2026

The Gold Card earns four points per dollar at restaurants worldwide, on up to $50,000 a year before the rate drops to one point, which most people don't reach. The $120 dining credit and $100 Resy credit cover $220 of the $325 fee, and points transfer to more than 20 airline and hotel partners. The same four points at U.S. supermarkets make it the most complete food card you can carry and our top overall pick.

The Savor earns unlimited 3% cash back on dining with no annual fee, and extends the same rate to groceries, entertainment, and streaming. There are no categories to activate, no caps, and no foreign transaction fees, so the rewards stay simple. It is the clear pick for frequent diners who want strong everyday earning without paying a fee.

The Sapphire Preferred earns three points per dollar on dining, and those points transfer to airline and hotel partners where they regularly beat one cent each. For a low fee it adds travel and purchase protections that no-fee cards skip. It is the best fit for people who eat out often and travel at least occasionally.

The Autograph earns three points per dollar on dining with no annual fee, and the same rate covers travel, gas, transit, streaming, and phone plans. It's the rare free card whose points can transfer to airline and hotel partners, and it skips foreign transaction fees, so it works as well abroad as it does at home.

The Altitude Go earns four points per dollar on dining with no annual fee, the highest no-fee dining rate around. That covers takeout and delivery too, up to $2,000 a quarter before it drops to one point, which is more than most people spend eating out. You also get a $15 annual streaming credit and a long 0% intro APR. It's the best no-fee pick for people who eat out often.

The Strata Premier earns three points per dollar at restaurants, plus air travel, hotels, supermarkets, and gas. That's one of the broadest sets of bonus categories for a $95 fee. Points transfer to airline and hotel partners, and a $100 hotel credit covers the fee when you book a stay of $500 or more through Citi Travel. It's the pick for people who want great dining rewards plus broad everyday earning.

The Sapphire Reserve earns three points per dollar on all dining and adds up to $300 a year back when you dine at the restaurants in its Exclusive Tables program. Its points are among the most valuable transferable currencies, and the full travel benefits make this an excellent card for frequent travelers who also want their dining to earn at a premium level.

The Strata Elite earns six points per dollar at restaurants on Friday and Saturday nights, the highest dining rate on this list and right when most people go out to eat. It earns three points per dollar on dining any other time, and its points transfer to airline partners at high value. Annual hotel and lifestyle credits can offset much of the $595 fee for those who eat out on weekends and also travel frequently.