BEST CARDS · UPDATED MONTHLY

Best Credit Cards for Dining & Restaurants (August 2026)

Restaurants are the easiest category to over-earn in — nearly every issuer competes here. We rank every dining earn rate in our database by true cash-back value: multipliers are converted to dollars using program-level point valuations, so a 4x points card and a 4% cash card are compared honestly.

By Frank · Updated Aug 18, 2026 · 98 cards ranked

1 4x → ≈ 6% back

US Bank Altitude Go

U.S. Bank

Dining

Annual fee

Welcome bonus

20,000 bonus points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	4x	6%
Groceries	2x	3%
Streaming	2x	3%
Gas	2x	3%
EV Charging	2x	3%
Everything else	1x	1.5%

Benefits · $615/yr face value

Credits (1)

$15 Annual Streaming Credit $15 /yr

Protections (1)

Cell Phone Protection $600 /yr

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

2 4x → ≈ 5.6% back

Amex Gold

American Express

Dining

Annual fee

$325

Welcome bonus

As high as 100,000 Membership Rewards Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	4x	5.6%
Groceries	4x	5.6%
Flights	3x	4.2%
Travel	2x	2.8%
Everything else	1x	1.4%

Benefits · $524/yr face value

Credits (5)

$10 Monthly Dining Credit $120 /monthly
$10 Monthly Uber Credit $120 /monthly
Hotel Collection $100 /yr
$100 Resy Credit $100 /semi-annual
$7 Monthly Dunkin Credit $84 /monthly

Status & Elite Perks (1)

Hertz Five Star Status

Protections (1)

Travel Insurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

3 5% back

Citi Prestige

Citi

Dining

Annual fee

$495

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	5%	5%
Flights	5%	5%
Hotels	3%	3%
Cruise	3%	3%
Everything else	1%	1%

Benefits · $2,050/yr face value

Credits (3)

Fourth Night Free $800 /yr
$250 Annual Travel Credit $250 /yr
Global Entry/TSA PreCheck Credit $100 /yr

Status & Elite Perks (1)

Priority Pass Select $100 /yr

Protections (1)

Cell Phone Protection $800 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

4 5% back

Full review →

Robinhood Platinum Card

Robinhood Credit

Dining

Annual fee

$695

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	5%	5%
Everything else	1%	1%

Benefits · $2,694/yr face value

Credits (7)

$500 Hotel Booking Credit $500 /semi-annual
$300 Annual Travel Credit $300 /semi-annual
$20 Monthly Autonomous Rides Credit $250 /monthly
$20 Monthly Restaurant Credit $250 /monthly
$20 Monthly DoorDash Credit $250 /monthly
$200 Health Wearables Credit $200 /yr
$120 Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (6)

$365 Function Health Membership $365 /yr
$199 Amazon One Medical Membership $199 /yr
$120 DashPass Membership $120 /yr
$100 Priority Pass Select $100 /yr
$70 Oura Ring Membership $70 /yr
$60 Robinhood Gold Membership $60 /yr

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

5 3x → ≈ 4.8% back

Citi Strata Elite

Citi

Dining

Annual fee

$595

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3x	4.8%
Everything else	1.5x	2.4%

Benefits · $2,329/yr face value

Credits (7)

Citigold Private Client Relationship Credit $595 /yr
Annual Hotel Benefit $300 /yr
American Airlines Admirals Club Passes $300 /yr
Annual Splurge Credit $200 /yr
Annual Blacklane Credit $200 /semi-annual
Citigold Relationship Credit $145 /yr
Global Entry or TSA PreCheck Credit $120 /yr

Status & Elite Perks (4)

Priority Pass Select Membership $469 /yr
The Reserve by Citi Travel Benefits
Mastercard World Legend Benefits
Citi Entertainment Access

Protections (1)

Travel and Shopping Protections

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

6 3x → ≈ 4.5% back

Atmos Rewards Summit

Bank of America

Dining

Annual fee

$395

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Alaska	3x	4.5%
Hawaiian	3x	4.5%
Dining	3x	4.5%
Foreign Transactions	3x	4.5%
Everything else	1x	1.5%

Benefits · $2,664/yr face value

Credits (6)

100K Global Companion Award $1,600 /yr
Alaska Lounge Passes (8x) $520 /yr
25K Global Companion Award $400 /yr
8 Wi-Fi Passes $64 /yr
$50 Travel Delay Credit $50 /yr
TSA PreCheck/Global Entry Credit $30 /yr

Status & Elite Perks (6)

Free First Checked Bag
Waived Same-Day Change Fees
20% In-flight Savings
Waived Partner Award Fees
Priority Boarding
10K Annual Status Points

Protections (1)

Travel Insurance

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

7 3x → ≈ 4.5% back

Full review →

Chase Sapphire Reserve

Chase

Dining

Annual fee

$795

Welcome bonus

100,000 Ultimate Rewards Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	4x	6%
Hotels	4x	6%
Dining	3x	4.5%
Everything else	1x	1.5%

Benefits · $3,698/yr face value

Credits (13)

$500 Annual The Edit Credit (2+ nights) $500 /yr
$500 Southwest Airlines Chase Travel Credit $500 /yr
$300 Annual Travel Credit $300 /yr
$25 Monthly DoorDash Credit $300 /monthly
$150 Semi-Annual Dining Credit(Opentable Only) $300 /semi-annual
$150 Semi-Annual StubHub Credit $300 /semi-annual
$250 The Shops at Chase Credit $250 /yr
$250 Select Chase Travel Hotel Credit(2+ nights) $250 /yr
$12.99 Monthly Apple TV Subscription $155.88 /monthly
$10.99 Monthly Apple Music Subscription $131.88 /monthly
Global Entry/TSA PreCheck Credit $120 /yr
$10 Monthly Peloton Credit $120 /monthly
$10 Monthly Lyft Credit $120 /monthly

Status & Elite Perks (5)

Priority Pass Select $250 /yr
IHG One Rewards Platinum Elite Status $100 /yr
IHG One Rewards Diamond Elite Status
World of Hyatt Explorist Status
Southwest Airlines Rapid Rewards A-List Status

Protections (4)

Auto Rental Coverage
Trip Cancellation and Interruption Insurance
Purchase Protection
Extended Warranty Protection

Redemption progress, reset dates and expiry alerts for all 22 benefits — track them automatically in the MaxWorth app →

8 3x → ≈ 4.2% back

Amex Green

American Express

Dining

Annual fee

$150

Welcome bonus

40,000 Membership Rewards Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	3x	4.2%
Dining	3x	4.2%
Everything else	1x	1.4%
Transit	3x	0%

Benefits · $209/yr face value

Credits (1)

$209 CLEAR® Plus Credit $209 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

9 3x → ≈ 4.2% back

Chase Freedom Unlimited

Chase

Dining

Annual fee

Welcome bonus

$250 Cash Bonus

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Drugstores	3x	4.2%
Dining	3x	4.2%
Everything else	1.5x	2.2%

Benefits · $100/yr face value

Credits (2)

6 Months Free DashPass $60 /yr
$40 Annual DoorDash Credits $40 /quarterly

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

10 3x → ≈ 4.2% back

Chase Sapphire Preferred

Chase

Dining

Annual fee

$95

Welcome bonus

75,000 Ultimate Rewards Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Lyft	5x	7.5%
Online Grocery	3x	4.5%
Streaming	3x	4.5%
Gas	3x	4.5%
EV Charging	3x	4.5%
Vacation Homes	3x	4.5%
Dining	3x	4.2%
Travel	2x	2.8%
Everything else	1x	1.4%

Benefits · $2,166/yr face value

Credits (5)

$10 Monthly DoorDash Credit $120 /monthly
Global Entry / TSA PreCheck / NEXUS Credit $120
$100 Chase Travel Hotel Credit $100 /yr
10% Anniversary Point Bonus $100 /yr
5x Points on Peloton $50 /yr

Status & Elite Perks (2)

Complimentary Apple TV (1 Year) $156 /yr
Complimentary DashPass $120 /yr

Protections (4)

Travel Insurance $500 /yr
Purchase Protection $500 /yr
Auto Rental Coverage $200 /yr
Extended Warranty Protection $200 /yr

Redemption progress, reset dates and expiry alerts for all 11 benefits — track them automatically in the MaxWorth app →

Show all 98 cards ranked for dining · ranked #11–#98

11 3x → ≈ 4.2% back

Chase Sapphire Reserve (Legacy)

Chase

Dining

Annual fee

$795

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	3x	4.2%
Dining	3x	4.2%
Everything else	1x	1.4%

Benefits · $1,129/yr face value

Credits (3)

$300 Annual Travel Credit $300 /yr
Global Entry/TSA PreCheck/NEXUS Fee Credit $120 /yr
$10 Monthly Lyft Credit $120 /monthly

Status & Elite Perks (2)

Priority Pass Select $469 /yr
DoorDash DashPass $120 /yr

Protections (2)

Travel Protections
Purchase Protections

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

12 2x → ≈ 4% back

Chase Hyatt

Chase

Dining

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hyatt	4x	8%
Flights	2x	4%
Dining	2x	4%
Everything else	1x	2%
Transit	2x	0%
Gym	2x	0%

Benefits · $340/yr face value

Credits (2)

Tier Qualifying Nights $50 /yr
Complimentary DashPass $40 /quarterly

Status & Elite Perks (2)

Annual Free Night $150 /yr
Discoverist Status $100 /yr

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

13 2x → ≈ 4% back

Chase Hyatt Business

Chase

Dining

Annual fee

$199

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hyatt	4x	8%
Dining	2x	4%
Flights	2x	4%
Transit	2x	4%
Gas	2x	4%
Advertising	2x	4%
Shipping	2x	4%
Gym	2x	4%
Everything else	1x	2%

Benefits · $150/yr face value

Credits (1)

$100 Hyatt Credit $100 /semi-annual

Status & Elite Perks (1)

World of Hyatt Discoverist Status $50

Other (2)

5 Tier-Qualifying Night Credits per $10k
No Foreign Transaction Fees

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

14 4% back

Verizon Visa Card

Synchrony Bank

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	4%	4%
Gas	4%	4%
Dining	4%	4%
Verizon	4%	4%
Everything else	1%	1%

Benefits · $0/yr face value

Other (2)

Verizon Dollars No Expiration
Visa Signature Benefits

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

15 3x → ≈ 3.9% back

Chase Aeroplan Card

Chase

Dining

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3x	3.9%
Air Canada	3x	3.9%
Groceries	3x	3.9%
Everything else	1x	1.3%

Benefits · $420/yr face value

Credits (4)

Monthly Bonus Points $180 /monthly
Complimentary DashPass $120 /yr
Global Entry or TSA PreCheck or NEXUS Fee Credit $120 /yr
Free First Checked Bags

Status & Elite Perks (3)

Aeroplan 25K Status for New Cardmembers
Aeroplan Elite Status Level Up
Maintain or Qualify for Aeroplan Elite 25K Status

Other (2)

Preferred Pricing
10% Bonus on Ultimate Rewards Point Transfers

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

16 3x → ≈ 3.75% back

Bilt Mastercard(Legacy)

Wells Fargo

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3x	3.75%
Travel	2x	2.5%
Everything else	1x	1.25%
Rent	1x	1.25%

17 3x → ≈ 3.75% back

Bilt Obsidian Card

First Electronic Bank

Dining

Annual fee

$95

Welcome bonus

$200 Bilt Cash credited upon card approval

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3x	3.75%
Groceries	3x	3.75%
Travel	2x	2.5%
Rent	1x	1.25%
Everything else	1x	1.25%

Benefits · $610/yr face value

Credits (2)

$200 Annual Bilt Cash Benefit $200 /yr
$100 Bilt Travel Hotel Credit $100 /semi-annual

Protections (8)

Trip Cancellation/Interruption Insurance $60 /yr
Cell Phone Protection $50 /yr
Purchase Assurance $50 /yr
Lost/Damaged Luggage Insurance $40 /yr
Trip Delay Reimbursement $30 /yr
Extended Warranty $30 /yr
MasterRental Coverage $30 /yr
Price Drop Protection $20 /yr

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

18 3% back

Air France KLM Visa Signature

Bank of America

Dining

Annual fee

$89

Welcome bonus

70,000 bonus miles and 100 XP

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Airline Airfrance	3%	3%
Dining	3%	3%
Everything else	1.5%	1.5%

Benefits · $65/yr face value

Credits (1)

5,000 Anniversary Bonus Miles $65 /yr

Status & Elite Perks (3)

20 Anniversary XP
80 Bonus XP ($15,000 Spend)
60 Bonus XP ($25,000 Spend)

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

19 2x → ≈ 3% back

Amex Delta Gold

American Express

Dining

Annual fee

$150

Welcome bonus

90,000 Delta SkyMile Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Delta	2x	3%
Dining	2x	3%
Groceries	2x	3%
Everything else	1x	1.5%

Benefits · $700/yr face value

Credits (4)

$200 Delta Flight Credit $200 /yr
$10 Monthly Rideshare Credit $120 /monthly
$100 Delta Stays Credit $100 /yr
20% Back on In-Flight Purchases

Status & Elite Perks (1)

First & Second Checked Bag Free $280 /yr

Other (1)

TakeOff 15: 15% Off Award Travel

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

20 3% back

Barclays View Mastercard

Barclays

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3%	3%
Groceries	2%	2%
Streaming	2%	2%
Internet / Cable / Phone	2%	2%
Everything else	1%	1%

21 3% back

Capital One Savor

Capital One

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	3%	3%
Dining	3%	3%
Entertainment	3%	3%
Streaming	3%	3%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (2)

Capital One Entertainment Access
Capital One Travel Enhanced Earning

Status & Elite Perks (1)

Capital One Dining Access

Protections (2)

Extended Warranty
Travel Accident Insurance

Other (5)

50% off Handcrafted Beverages
No Foreign Transaction Fees
Complimentary Concierge Service
CreditWise Credit Monitoring
Virtual Card Numbers

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

22 3% back

Capital One SavorOne

Capital One

Dining

Annual fee

$39

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3%	3%
Groceries	3%	3%
Entertainment	3%	3%
Streaming	3%	3%
Everything else	1%	1%

23 3% back

Full review →

Chase Freedom Flex

Chase

Dining

Annual fee

Welcome bonus

$200 Cash Bonus

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	5%	5%
Transit	5%	5%
EV Charging	5%	5%
Entertainment	5%	5%
Drugstores	3%	3%
Dining	3%	3%
Everything else	1%	1%

24 3% back

Citi Costco Anywhere

Citi

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas Costco	5%	5%
Gas	4%	4%
EV Charging	4%	4%
Travel	3%	3%
Dining	3%	3%
Costco	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Annual Credit Card Reward Certificate

Status & Elite Perks (1)

Citi Entertainment Access

Protections (3)

Worldwide Car Rental Insurance
Travel Accident Insurance
Damage and Theft Purchase Protection

Other (3)

Travel and Emergency Assistance
Roadside Assistance Dispatch Service
Citi Concierge Service

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

25 3% back

Citi Strata Premier

Citi

Dining

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	3%	3%
Hotels	3%	3%
Dining	3%	3%
Groceries	3%	3%
Gas	3%	3%
Everything else	1%	1%
EV Charging	3x	0%

Benefits · $2,600/yr face value

Credits (1)

Annual Hotel Benefit $100 /yr

Protections (4)

Trip Cancellation/Interruption Insurance $1,000 /yr
Lost or Damaged Luggage Insurance $1,000 /yr
Trip Delay Insurance $500 /yr
MasterRental Coverage

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

26 3% back

DoorDash Rewards Mastercard

Chase

Dining

Annual fee

Welcome bonus

Complimentary year of DashPass

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
DoorDash	4%	4%
Dining	3%	3%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $302/yr face value

Credits (3)

Annual DashPass with $10K Spend $96 /yr
Complimentary DashPass (First Year) $96
$5 Monthly Lyft Credit $60 /monthly

Protections (5)

Cell Phone Protection $50 /yr
Auto Rental Collision Damage Waiver
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

27 3% back

Frontier Airlines World Mastercard

Barclays

Dining

Annual fee

$99

Welcome bonus

Up to 60,000 miles

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Frontier	5%	5%
Dining	3%	3%
Everything else	1%	1%

Benefits · $430/yr face value

Credits (3)

$100 Flight Voucher $100 /yr
Award Redemption Fee Waiver $30 /yr
0% Intro APR on Balance Transfers

Status & Elite Perks (1)

Elite Gold Status $100 /yr

Other (4)

Free Checked Bags $200 /yr
Zone 2 Priority Boarding
Elite Status Point Earning
No Foreign Transaction Fees

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

28 3% back

Macy's American Express Card

Citi

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Macys	5%	5%
Dining	3%	3%
Gas	2%	2%
Groceries	2%	2%
Everything else	1%	1%

29 3% back

Navy Federal More Rewards Amex

Navy Federal Credit Union

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	3%	3%
Gas	3%	3%
Transit	3%	3%
Dining	3%	3%
Everything else	1%	1%

30 3% back

PNC Cash Rewards

PNC Bank

Dining

Annual fee

Welcome bonus

$200 statement credit

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	4%	4%
Dining	3%	3%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $50/yr face value

Protections (1)

Cell Phone Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

31 3% back

SoFi Everyday Cash Rewards

The Bank of Missouri

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Sofi Travel	3%	3%
Dining	3%	3%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $50/yr face value

Protections (1)

Cell Phone Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

32 2x → ≈ 3% back

US Bank Altitude Connect

U.S. Bank

Dining

Annual fee

Welcome bonus

20,000 bonus points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	4x	6%
Gas	4x	6%
EV Charging	4x	6%
Dining	2x	3%
Streaming	2x	3%
Groceries	2x	3%
Everything else	1x	1.5%

Benefits · $130/yr face value

Credits (2)

$100 Global Entry or TSA PreCheck Fee Credit $100 /yr
$30 Streaming Credit $30 /yr

Status & Elite Perks (1)

Priority Pass Select Membership

Protections (1)

Travel Protection

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

33 2x → ≈ 3% back

US Bank Business Altitude Connect

U.S. Bank

Dining

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	4x	6%
Gas	4x	6%
EV Charging	4x	6%
Dining	2x	3%
Internet / Cable / Phone	2x	3%
Everything else	1x	1.5%

Benefits · $100/yr face value

Credits (1)

$25 Taxi/Rideshare Credit $25 /yr

Status & Elite Perks (1)

Priority Pass Digital Membership

Protections (2)

Auto Rental Collision Damage Waiver $50 /yr
Lost Luggage Insurance $25 /yr

Other (1)

Free Employee Cards

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

34 3% back

US Bank Business Triple Cash Rewards Visa

U.S. Bank

Dining

Annual fee

Welcome bonus

$750 cash back

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	3%	3%
Office Supply	3%	3%
Internet / Cable / Phone	3%	3%
Dining	3%	3%
Everything else	1%	1%

Benefits · $250/yr face value

Credits (1)

$100 Annual Software Subscription Credit $100 /yr

Protections (2)

Cell Phone Protection $100 /yr
Purchase Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

35 3% back

Venmo Credit Card

Synchrony Bank

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3%	3%
Groceries	3%	3%
Gas	3%	3%
Everything else	1%	1%

Benefits · $145/yr face value

Protections (3)

Auto Rental Collision Damage Waiver $75 /yr
Cell Phone Protection $50 /yr
Lost Luggage Reimbursement $20 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

36 3% back

Wells Fargo Autograph Card

Wells Fargo

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
EV Charging	3%	3%
Gas	3%	3%
Travel	3%	3%
Internet / Cable / Phone	3%	3%
Transit	3%	3%
Dining	3%	3%
Streaming	3%	3%
Everything else	1%	1%

37 3% back

Wells Fargo Autograph Journey

Wells Fargo

Dining

Annual fee

$95

Welcome bonus

60,000 bonus points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hotels	5%	5%
Flights	4%	4%
Travel	3%	3%
Dining	3%	3%
Everything else	1%	1%

Benefits · $50/yr face value

Credits (1)

$50 Annual Airline Credit $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

38 3% back

Wells Fargo One Key+ Card

Wells Fargo

Dining

Annual fee

$99

Welcome bonus

$350 in OneKeyCash

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3%	3%
Groceries	3%	3%
Gas	3%	3%
Everything else	2%	2%

Benefits · $220/yr face value

Credits (2)

Global Entry/TSA PreCheck Credit $120
$100 Anniversary OneKeyCash Bonus $100 /yr

Status & Elite Perks (1)

One Key Gold Status

Protections (4)

Cell Phone Protection
Auto Rental Collision Damage Waiver
Trip Cancellation/Interruption Insurance
Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

39 3% back

Wells Fargo One Key+ Card

Wells Fargo

Dining

Annual fee

$99

Welcome bonus

$350 in OneKeyCash

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3%	3%
Groceries	3%	3%
Gas	3%	3%
Everything else	2%	2%

Benefits · $220/yr face value

Credits (2)

Global Entry/TSA PreCheck Credit $120
$100 Anniversary OneKeyCash Bonus $100 /yr

Status & Elite Perks (1)

One Key Gold Status

Protections (4)

Cell Phone Protection
Auto Rental Collision Damage Waiver
Trip Cancellation/Interruption Insurance
Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

40 7x → ≈ 2.8% back

Full review →

Amex Hilton Aspire

American Express

Dining

Annual fee

$550

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hilton	14x	6.4%
Travel	7x	2.8%
Dining	7x	2.8%
Everything else	3x	1.2%

Benefits · $1,509/yr face value

Credits (6)

$200 Semi-Annual Hilton Resort Credit $400 /semi-annual
Hilton Honors Annual Free Night Reward $300 /yr
CLEAR Plus Credit $209 /yr
$200 Airline Fee Credit $200 /quarterly
TSA PreCheck/Global Entry Credit $100 /yr
$100 Waldorf/Conrad On-Property Credit $100 /yr

Status & Elite Perks (2)

Hilton Diamond Status $200 /yr
National Car Rental Emerald Club Executive

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

41 4x → ≈ 2.8% back

Amex Marriott Bevy

American Express

Dining

Annual fee

$250

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Groceries	4x	2.8%
Dining	4x	2.8%
Everything else	2x	1.4%

Benefits · $215/yr face value

Status & Elite Perks (5)

Free Night Award (up to 50,000 points) $200 /yr
15 Elite Night Credits $15 /yr
25% Bonus Points on Stays
Marriott Bonvoy Gold Elite Status
1,000 Bonus Points Per Stay

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

42 4x → ≈ 2.8% back

Amex Marriott Business

American Express

Dining

Annual fee

$125

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Dining	4x	2.8%
Gas	4x	2.8%
Internet / Cable / Phone	4x	2.8%
Shipping	4x	2.8%
Everything else	2x	1.4%

Benefits · $280/yr face value

Credits (3)

Free Night Award $140 /yr
Second Free Night Award ($60K Spend) $140 /yr
7% Room Rate Discount

Status & Elite Perks (2)

Elite Night Credits
Marriott Bonvoy Gold Elite Status

Other (1)

Employee Card Benefits

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

43 2x → ≈ 2.8% back

Barclays Hawaiian

Barclays

Dining

Annual fee

$99

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hawaiian	3x	4.2%
Gas	2x	2.8%
Dining	2x	2.8%
Groceries	2x	2.8%
Everything else	1x	1.4%

Benefits · $420/yr face value

Credits (3)

One-time 50%-off Companion Discount $200
Two Free Checked Bags $120 /yr
$100 Annual Companion Discount $100 /yr

Other (2)

Share Miles
Miles Never Expire

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

44 2x → ≈ 2.8% back

Barclays Hawaiian Business

Barclays

Dining

Annual fee

$99

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hawaiian	3x	4.2%
Gas	2x	2.8%
Dining	2x	2.8%
Office Supply	2x	2.8%
Everything else	1x	1.4%

Benefits · $1,040/yr face value

Credits (3)

Anniversary Bonus Miles (40,000) $560 /yr
Anniversary Bonus Miles (20,000) $280 /yr
One-time 50%-off Companion Discount $200

Other (2)

Complimentary Employee Cards
Share Miles

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

45 2x → ≈ 2.8% back

Barclays JetBlue

Barclays

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
JetBlue	3x	4.2%
Dining	2x	2.8%
Groceries	2x	2.8%
Everything else	1x	1.4%

Benefits · $50/yr face value

Credits (1)

50% Inflight Purchase Savings $50 /yr

Status & Elite Perks (1)

Mosaic Status Acceleration

Other (3)

Points Payback
No Blackout Dates
Points Never Expire

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

46 2x → ≈ 2.8% back

Barclays JetBlue Business

Barclays

Dining

Annual fee

$99

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
JetBlue	6x	8.4%
Office Supply	2x	2.8%
Dining	2x	2.8%
Everything else	1x	1.4%

Benefits · $150/yr face value

Credits (4)

Anniversary Bonus $100 /yr
Inflight Purchase Savings $50 /yr
Points Redemption Bonus
Free First Checked Bag

Status & Elite Perks (1)

Group A Boarding

Other (3)

Points Payback
Employee Cards
Expense Management Tools

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

47 2x → ≈ 2.8% back

Barclays JetBlue Plus

Barclays

Dining

Annual fee

$99

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
JetBlue	6x	8.4%
Dining	2x	2.8%
Groceries	2x	2.8%
Everything else	1x	1.4%

Benefits · $150/yr face value

Credits (4)

Anniversary Bonus $100 /yr
Inflight Purchase Savings $50 /yr
Points Redemption Bonus
Free First Checked Bag

Status & Elite Perks (1)

Group A Boarding

Other (1)

Points Payback

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

48 2x → ≈ 2.8% back

Barclays JetBlue Premier

Barclays

Dining

Annual fee

$499

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
JetBlue	6x	8.4%
Dining	2x	2.8%
Groceries	2x	2.8%
Everything else	1x	1.4%

Benefits · $570/yr face value

Credits (6)

Paisly Statement Credits $300 /yr
Global Entry/TSA PreCheck Credit $120 /yr
Anniversary Bonus $100 /yr
Inflight Purchase Savings $50 /yr
Points Redemption Bonus
Free First Checked Bag

Status & Elite Perks (2)

Priority Pass Select
Group A Boarding

Other (1)

Points Payback

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

49 4x → ≈ 2.8% back

Chase Marriott Bonvoy Business

Chase

Dining

Annual fee

$125

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Gas	4x	2.8%
Dining	4x	2.8%
Internet / Cable / Phone	4x	2.8%
Everything else	2x	1.4%

Benefits · $450/yr face value

Credits (3)

Second Free Night Award ($60K Spend) $200 /yr
Annual Free Night Award $200 /yr
7% Room Rate Discount

Status & Elite Perks (3)

Marriott Bonvoy Gold Elite Status $50 /yr
Elite Night Credits from Spending
15 Elite Night Credits

Protections (6)

Trip Delay Reimbursement
Auto Rental Coverage
Lost Luggage Reimbursement
Baggage Delay Insurance
Purchase Protection
Extended Warranty Protection

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

50 4x → ≈ 2.8% back

Chase Marriott Bountiful

Chase

Dining

Annual fee

$250

Welcome bonus

85,000 Bonus Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Groceries	4x	2.8%
Dining	4x	2.8%
Everything else	2x	1.4%

Benefits · $695/yr face value

Credits (1)

Free Night Award (After $15K Spend) $300 /yr

Status & Elite Perks (2)

Automatic Gold Elite Status $100 /yr
15 Elite Night Credits

Protections (4)

Baggage Delay Reimbursement $50 /yr
Lost Luggage Coverage $50 /yr
Trip Delay Reimbursement $50 /yr
Purchase Protection $25 /yr

Other (1)

Complimentary DashPass $120 /yr

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

51 3x → ≈ 2.7% back

Chase Ritz-Carlton

Chase

Dining

Annual fee

$450

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	5.4%
Dining	3x	2.7%
Travel	3x	2.7%
Everything else	2x	1.8%

Benefits · $2,520/yr face value

Credits (4)

Annual Free Night Award $600 /yr
Annual Travel Credit $300 /yr
Global Entry/TSA PreCheck Credit $120 /yr
$100 Hotel Credit $100 /yr

Status & Elite Perks (2)

Marriott Gold Elite Status $1,000 /yr
Priority Pass Select $400 /yr

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

52 2x → ≈ 2.6% back

Chase Southwest Performance Business

Chase

Dining

Annual fee

$299

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Southwest	4x	5.2%
Gas	2x	2.6%
Dining	2x	2.6%
Transit	2x	2.6%
Hotels	2x	2.6%
Everything else	1x	1.3%

Benefits · $677/yr face value

Credits (9)

10,000 Companion Pass Qualifying Points Boost $130 /yr
$120 Global Entry/TSA PreCheck Credit $120
$10 Monthly Instacart Credit $120 /monthly
$120 Complimentary DashPass $120 /yr
9,000 Anniversary Points $117 /yr
$10 DoorDash Quarterly Credit $40 /quarterly
$30 Complimentary Instacart+ Membership $30 /yr
Inflight Purchase Discount
Tier Qualifying Points

Status & Elite Perks (2)

Free First Checked Bag
Preferred Seating & Priority Boarding

Protections (5)

Auto Rental Coverage
Purchase Protection
Extended Warranty Protection
Lost Luggage Reimbursement
Baggage Delay Insurance

Redemption progress, reset dates and expiry alerts for all 16 benefits — track them automatically in the MaxWorth app →

53 2x → ≈ 2.6% back

Chase Southwest Premier

Chase

Dining

Annual fee

$149

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Southwest	3x	3.9%
Groceries	2x	2.6%
Dining	2x	2.6%
Everything else	1x	1.3%
Transit	1x	1.3%
Streaming	1x	1.3%

Benefits · $392/yr face value

Credits (7)

Complimentary DashPass $144 /yr
10,000 Companion Pass® Boost $130 /yr
6,000 Anniversary Points $78 /yr
DoorDash Quarterly Discount $40 /quarterly
Inflight Purchase Discount
15% Anniversary Promo Code
Tier Qualifying Points

Status & Elite Perks (2)

Preferred Seat Selection & Priority Boarding
Free First Checked Bag

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

54 2x → ≈ 2.6% back

Chase Southwest Premier Business

Chase

Dining

Annual fee

$149

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Southwest	3x	3.9%
Gas	2x	2.6%
Dining	2x	2.6%
Everything else	1x	1.3%

Benefits · $208/yr face value

Credits (5)

10,000 Companion Pass Qualifying Points Boost $130 /yr
6,000 Anniversary Points $78 /yr
Tier Qualifying Points
Inflight Purchase Discount
15% Anniversary Promo Code

Status & Elite Perks (2)

Free First Checked Bag
Preferred Seat Selection & Priority Boarding

Protections (4)

Purchase Protection
Extended Warranty Protection
Lost Luggage Reimbursement
Baggage Delay Insurance

Redemption progress, reset dates and expiry alerts for all 11 benefits — track them automatically in the MaxWorth app →

55 2x → ≈ 2.6% back

Chase Southwest Priority

Chase

Dining

Annual fee

$229

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Southwest	4x	5.2%
Gas	2x	2.6%
Dining	2x	2.6%
Everything else	1x	1.3%
Transit	1x	1.3%
Internet / Cable / Phone	1x	1.3%
Streaming	1x	1.3%

Benefits · $412/yr face value

Credits (6)

Complimentary DashPass $144 /yr
Companion Pass Qualifying Points Boost $130 /yr
Anniversary Points $97.50 /yr
DoorDash Quarterly Discount $40 /quarterly
Inflight Purchase Discount
Tier Qualifying Points

Status & Elite Perks (2)

Preferred Seating & Priority Boarding
Free First Checked Bag

Protections (4)

Lost Luggage Reimbursement
Baggage Delay Insurance
Extended Warranty Protection
Purchase Protection

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

56 2.6% back

Chase United Business

Chase

Dining

2.6%

Annual fee

$150

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
United	2%	2.6%
Dining	2%	2.6%
Gas	2%	2.6%
Office Supply	2%	2.6%
Transit	2%	2.6%
Everything else	1%	1.3%

Benefits · $715/yr face value

Credits (7)

$125 United TravelBank Cash $125 /yr
$10 Monthly Instacart Credit $120 /monthly
$100 United Hotels Credits $100 /yr
$8 Monthly Ride-Hailing Credit $100 /monthly
$50 Avis/Budget Credits $50 /yr
Instacart+ Membership (3 months) $30 /yr
$25 FareLock Credit $25 /yr

Status & Elite Perks (3)

2 United Club One-Time Passes $50 /yr
Free First Checked Bag $50 /yr
Priority Boarding

Other (2)

5,000-Mile Anniversary Bonus $65 /yr
25% Back on United Purchases

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

57 2x → ≈ 2.6% back

Chase United Club

Chase

Dining

Annual fee

$695

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
United	5x	6.5%
Travel	2x	2.6%
Dining	2x	2.6%
Everything else	1x	1.3%

Benefits · $2,299/yr face value

Credits (7)

$20 Monthly Instacart Credit $240 /monthly
$200 Renowned Hotels Statement Credit $200 /yr
$200 JSX Statement Credit $200 /yr
$12.50 Monthly Rideshare Credit $150 /monthly
Global Entry/TSA PreCheck Credit $120
Up to $100 Avis/Budget Credits $100 /yr
1,500 Card Bonus PQP

Status & Elite Perks (8)

United Club Membership $750 /yr
Free First and Second Checked Bags $440 /yr
Complimentary Instacart+ Membership $99 /yr
Premier Access Travel Services
Visa Infinite Concierge Services
IHG One Rewards Platinum Elite Status
Premier Upgrades on Award Tickets
Avis President's Club Status

Other (3)

10% Off United Economy Saver Awards
25% Back on United Inflight/Club Premium Purchases
10,000-Mile Award Flight Discount

Redemption progress, reset dates and expiry alerts for all 18 benefits — track them automatically in the MaxWorth app →

58 2x → ≈ 2.6% back

Chase United Explorer

Chase

Dining

Annual fee

$150

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
United	3x	3.9%
Dining	2x	2.6%
Hotels	2x	2.6%
Everything else	1x	1.3%

Benefits · $910/yr face value

Credits (7)

Global Entry/TSA PreCheck Credit $120
$10 Monthly Instacart Credit $120 /monthly
Up to $100 United Hotels Credits $100 /yr
$100 United Travel Credit $100 /yr
Up to $100 JSX Credits $100 /yr
$5 Monthly Rideshare Credit $60 /monthly
Up to $50 Avis/Budget Credits $50 /yr

Status & Elite Perks (3)

Free First Checked Bag $160 /yr
2 United Club One-Time Passes $100 /yr
United Priority Boarding

Other (2)

25% Back on United Purchases
10,000-Mile Award Flight Discount

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

59 2x → ≈ 2.6% back

Chase United Quest

Chase

Dining

Annual fee

$350

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
United	4x	5.2%
Dining	2x	2.6%
Travel	2x	2.6%
Streaming	2x	2.6%
Everything else	1x	1.3%

Benefits · $1,440/yr face value

Credits (10)

Free First and Second Checked Bags $360 /yr
$200 Annual United Travel Credit $200 /yr
$15 Monthly Instacart Credit $180 /monthly
$150 Renowned Hotels and Resorts Statement Credit $150 /yr
$150 JSX Statement Credit $150 /yr
Global Entry/TSA PreCheck Credit $120 /yr
Annual 10,000-mile Award Flight Discount $100 /yr
$8 Monthly Rideshare Credit $100 /monthly
$80 Avis or Budget Travel Credit $80 /yr
1,000 Card Bonus PQP

Status & Elite Perks (1)

Priority Boarding

Other (1)

25% Back on United Inflight Purchases

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

60 3x → ≈ 2.55% back

PenFed Pathfinder Rewards

PenFed Credit Union

Dining

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	4x	3.4%
Dining	3x	2.55%
Everything else	1.5x	1.275%

Benefits · $319/yr face value

Credits (2)

$120 Global Entry/TSA PreCheck Credit $120
$100 Ancillary Air Travel Credit $100 /yr

Status & Elite Perks (1)

Priority Pass Select Membership $99 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

61 3x → ≈ 2.55% back

PenFed Platinum Rewards

PenFed Credit Union

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	5x	4.25%
Groceries	3x	2.55%
Dining	3x	2.55%
Streaming	3x	2.55%
Everything else	1x	0.85%

62 5x → ≈ 2.5% back

Chase IHG Business

Chase

Dining

Annual fee

$99

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
IHG	10x	5%
Travel	5x	2.5%
Dining	5x	2.5%
Advertising	5x	2.5%
Office Supply	5x	2.5%
Gas	5x	2.5%
Everything else	3x	1.5%

Benefits · $620/yr face value

Credits (5)

Additional Free Night $200 /yr
Anniversary Free Night $200 /yr
Global Entry/TSA PreCheck Credit $120 /yr
Annual Spending Bonus $100 /yr
Fourth Night Free

Status & Elite Perks (2)

Automatic Platinum Elite Status
Diamond Elite Status Qualification

Protections (2)

Purchase Protection
Trip Cancellation Insurance

Other (1)

Points Purchase Discount

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

63 5x → ≈ 2.5% back

Chase IHG Premier

Chase

Dining

Annual fee

$99

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
IHG	10x	5%
Travel	5x	2.5%
Dining	5x	2.5%
Gas	5x	2.5%
Everything else	3x	1.5%

Benefits · $820/yr face value

Status & Elite Perks (4)

Diamond Elite Status $200 /yr
Anniversary Free Night $200 /yr
Platinum Elite Status $150 /yr
4th Reward Night Free $100 /yr

Other (2)

Global Entry Credit $120 /yr
United TravelBank Cash $50 /yr

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

64 2x → ≈ 2.5% back

Full review →

Chase Ink Business Cash

Chase

Dining

Annual fee

Welcome bonus

100,000 UR Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Office Supply	5x	6.25%
Internet / Cable / Phone	5x	6.25%
Gas	2x	2.5%
Dining	2x	2.5%
Everything else	1x	1.25%

Benefits · $2,365/yr face value

Credits (2)

$20 Monthly Instacart Credit $240 /monthly
Instacart+ Membership (3 Months) $25

Protections (4)

Cell Phone Protection $1,200 /yr
Extended Warranty Protection $500 /yr
Travel Benefits $300 /yr
Purchase Protection $100 /yr

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

65 2x → ≈ 2.4% back

Amex Delta Blue

American Express

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Delta	2x	2.4%
Dining	2x	2.4%
Everything else	1x	1.2%

66 2x → ≈ 2.4% back

Amex Delta Business Gold

American Express

Dining

Annual fee

$150

Welcome bonus

90,000 Delta SkyMile Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Delta	2x	2.4%
Dining	2x	2.4%
Shipping	2x	2.4%
Advertising	2x	2.4%
Everything else	1x	1.2%

Benefits · $1,070/yr face value

Credits (4)

Welcome Bonus $480
$200 Delta Flight Credit $200 /yr
$150 Delta Stays Hotel Credit $150 /yr
$10 Monthly Rideshare Credit $120 /monthly

Status & Elite Perks (2)

First Checked Bag Free $120 /yr
Priority Boarding

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

67 2x → ≈ 2.4% back

Amex Delta Platinum

American Express

Dining

Annual fee

$350

Welcome bonus

100,000 Delta SkyMiles

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hotels	3x	3.6%
Flights	3x	3.6%
Dining	2x	2.4%
Groceries	2x	2.4%
Everything else	1x	1.2%

Benefits · $1,260/yr face value

Credits (6)

Annual Companion Certificate $400 /yr
$150 Delta Stays Credit $150 /yr
Free Checked Bag $140 /yr
$10 Monthly Rideshare Credit $120 /monthly
$10 Monthly Resy Credit $120 /monthly
Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (2)

Priority Boarding $50 /yr
MQD Headstart

Protections (1)

Cell Phone Protection $50 /yr

Other (1)

Award Travel Discount $200 /yr

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

68 6x → ≈ 2.4% back

Amex Hilton Surpass

American Express

Dining

Annual fee

$150

Welcome bonus

130,000 Hilton Points + 1 Free Night

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hilton	12x	4.8%
Dining	6x	2.4%
Groceries	6x	2.4%
Gas	6x	2.4%
Everything else	3x	1.2%
Retail Online	4x	0%

Benefits · $201/yr face value

Credits (1)

$200 Hilton Credit $200 /quarterly

Status & Elite Perks (4)

Free Night Reward after $15,000 spend $1 /yr
Hilton Honors Diamond Status after $40,000 spend
National Emerald Club Executive Status
Hilton Honors Gold Status

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

69 3x → ≈ 2.1% back

Amex Marriott Brilliant

American Express

Dining

Annual fee

$650

Welcome bonus

200,000 Marriott points (upcoming), currently 100k

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Travel	3x	2.1%
Dining	3x	2.1%
Everything else	2x	1.4%

Benefits · $2,720/yr face value

Credits (3)

$25 Monthly Dining Credit $300 /monthly
TSA PreCheck/Global Entry Credit $120 /yr
$100 Marriott Bonvoy Property Credit $100 /yr

Status & Elite Perks (4)

Marriott Platinum Elite Status $1,200 /yr
Annual Free Night Award $600 /yr
Priority Pass Select $400 /yr
25 Elite Night Credits

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

70 3x → ≈ 2.1% back

Chase Marriott Bonvoy Boundless

Chase

Dining

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Dining	3x	2.1%
Groceries	3x	2.1%
Gas	3x	2.1%
Everything else	2x	1.4%

Benefits · $420/yr face value

Credits (2)

Annual Free Night Award $200 /yr
DoorDash Quarterly Credit $40 /quarterly

Status & Elite Perks (4)

15 Elite Night Credits $35 /yr
Automatic Silver Elite Status $25 /yr
Path to Gold Status
Elite Night Credits from Spending

Other (1)

Complimentary DashPass $120 /yr

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

71 2% back

Amazon Business Prime Card

American Express

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Amazon	5%	5%
Whole Foods	5%	5%
Dining	2%	2%
Gas	2%	2%
Internet / Cable / Phone	2%	2%
Everything else	1%	1%

72 5x → ≈ 2% back

Amex Hilton Express

American Express

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hilton	7x	2.8%
Groceries	5x	2%
Dining	5x	2%
Gas	5x	2%
Everything else	3x	1.2%

Benefits · $10/yr face value

Status & Elite Perks (1)

Hilton Honors Silver Status $10 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

73 4x → ≈ 2% back

Barclays Wyndham Earner Plus

Barclays

Dining

Annual fee

$75

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	6x	3%
Dining	4x	2%
Groceries	4x	2%
Everything else	1x	0.5%

Benefits · $350/yr face value

Credits (2)

Welcome Bonus $300
Anniversary Bonus $50 /yr

Status & Elite Perks (1)

Wyndham Rewards Platinum Status

Protections (1)

$0 Fraud Liability Protection

Other (3)

Earn Free Nights Faster
Cardmember Booking Discount
0% Intro APR Balance Transfers

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

74 2% back

BoA Premium Rewards

Bank of America

Dining

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	2%	2%
Dining	2%	2%
Everything else	1.5%	1.5%

Benefits · $350/yr face value

Credits (1)

Airline Incidental Credit $100 /yr

Protections (1)

Travel Insurance $150 /yr

Other (1)

Global Entry Credit $100 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

75 2% back

BoA Premium Rewards Elite

Bank of America

Dining

Annual fee

$550

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	2%	2%
Dining	2%	2%
Everything else	1.5%	1.5%

Benefits · $670/yr face value

Credits (3)

Airline Incidental Credit $300 /yr
$150 Lifestyle Credit $150 /yr
Global Entry/TSA PreCheck Credit $120 /yr

Status & Elite Perks (1)

Priority Pass Select $50 /yr

Protections (1)

Travel Insurance $50 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

76 2% back

Chase Amazon Visa

Chase

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Amazon	3%	3%
Whole Foods	3%	3%
Gas	2%	2%
Transit	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $503,600/yr face value

Protections (7)

Travel Accident Insurance $500,000 /yr
Lost Luggage Reimbursement $3,000 /yr
Purchase Protection $500 /yr
Baggage Delay Insurance $100 /yr
Extended Warranty Protection
Auto Rental Coverage
Zero Liability Protection

Other (1)

Contactless Payment

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

77 2% back

Chase Disney Inspire

Chase

Dining

Annual fee

$149

Welcome bonus

$300 Disney Gift Card + $300 statement credit

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Disney Streaming	10%	10%
Disney	3%	3%
Gas	3%	3%
Groceries	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $420/yr face value

Credits (3)

$200 Disney Resort & Cruise Credit $200 /yr
$120 Disney Streaming Credit $120 /yr
$100 Theme Park Ticket Credit $100 /yr

Other (2)

Disney Merchandise & Dining Discount
Cardmember Character Photo Opportunities

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

78 2% back

Chase Disney Inspire Visa

Chase

Dining

Annual fee

$149

Welcome bonus

$300 Disney Gift Card upon approval + $300 statement credit

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Disney Streaming	10%	10%
Gas	3%	3%
Disney	3%	3%
Groceries	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $835/yr face value

Credits (3)

Disney Resort & Cruise Anniversary Bonus $200 /yr
$10 Monthly Disney Streaming Credit $120 /monthly
Disney Theme Park Ticket Credit $100 /yr

Protections (3)

Purchase Protection $100 /yr
Baggage Delay Insurance $100 /yr
Extended Warranty Protection $50 /yr

Other (8)

Complimentary DashPass $120 /yr
Disney Guided Tours Discount $15 /yr
Disney Parks Merchandise Discount $10 /yr
Disney Dining Discount $10 /yr
Disney Store Discount $10 /yr
Disney Cardmember Photo Opportunities
Disney Vacation Financing
No Foreign Transaction Fees

Redemption progress, reset dates and expiry alerts for all 14 benefits — track them automatically in the MaxWorth app →

79 2% back

Chase Disney Premier Visa Card

Chase

Dining

Annual fee

$49

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Disney Streaming	5%	5%
Gas	2%	2%
Groceries	2%	2%
Dining	2%	2%
Disney	2%	2%
Everything else	1%	1%

Benefits · $775/yr face value

Protections (3)

Purchase Protection $500 /yr
Baggage Delay Insurance $100 /yr
Extended Warranty Protection

Other (10)

Complimentary DashPass $120 /yr
Disney Guided Tours Discount $15 /yr
Disney Cruise Merchandise Discount $10 /yr
Disney Dining Discount $10 /yr
Disney Parks Merchandise Discount $10 /yr
Disney Store Discount $10 /yr
Pay Yourself Back - Airlines
Disney Vacation Financing
No Foreign Transaction Fees
Disney Cardmember Photo Opportunities

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

80 2% back

Chase Prime Visa

Chase

Dining

Annual fee

Welcome bonus

$150 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance on approval

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Amazon	5%	5%
Whole Foods	5%	5%
Dining	2%	2%
Gas	2%	2%
Transit	2%	2%
Everything else	1%	1%

Benefits · $200/yr face value

Status & Elite Perks (1)

Roadside Assistance

Protections (7)

Baggage Delay Insurance $100 /yr
Purchase Protection $50 /yr
Lost Luggage Reimbursement $50 /yr
Extended Warranty Protection
Auto Rental Coverage
Travel Accident Insurance
Zero Liability Protection

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

81 2% back

Citi AA Platinum Select

Citi

Dining

Annual fee

$99

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
American	2%	2%
Dining	2%	2%
Gas	2%	2%
Everything else	1%	1%

Benefits · $245/yr face value

Credits (4)

American Airlines Flight Discount $125 /yr
First Checked Bag Free $120 /yr
Inflight Food Beverage Discount
American Airlines Vacations Discount

Status & Elite Perks (1)

Preferred Boarding

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

82 2% back

Citi Strata

Citi

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	3%	3%
Gas	3%	3%
EV Charging	3%	3%
Transit	3%	3%
Dining	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Status & Elite Perks (1)

Mastercard ID Theft Protection

Other (1)

ThankYou Points Transfer

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

83 2% back

Citi ThankYou Preferred

Citi

Dining

Annual fee

Welcome bonus

Earn 15,000 ThankYou Points after spending $1,000 in first 3 months

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	2%	2%
Entertainment	2%	2%
Everything else	1%	1%

Benefits · $100/yr face value

Protections (2)

Extended Warranty $50 /yr
Damage & Theft Purchase Protection $50 /yr

Other (1)

Citi Private Pass

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

84 2% back

Discover it Chrome

Discover

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Unlimited Cashback Match

Protections (1)

$0 Fraud Liability Guarantee

Other (2)

Online Privacy Protection
Free FICO Credit Score

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

85 2% back

Discover it Secured

Discover

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Cashback Match

Protections (1)

$0 Fraud Liability Guarantee

Other (4)

Free FICO Credit Score
Free Social Security Number Alerts
Freeze it Feature
Online Privacy Protection

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

86 2% back

Discover it Student Chrome

Discover

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Unlimited Cashback Match

Protections (1)

$0 Fraud Liability Guarantee

Other (4)

Free FICO Credit Score
Freeze it On/Off Switch
Online Privacy Protection
Free Social Security Number Alerts

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

87 2% back

HSBC Elite

HSBC

Dining

Annual fee

$495

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	5%	5%
Dining	2%	2%
Everything else	1%	1%

Benefits · $1,249/yr face value

Credits (4)

HSBC Travel Credit $400 /yr
$10 Monthly Instacart+ Credit $140 /monthly
Global Entry/TSA PreCheck Credit $120 /yr
$10 Monthly Rideshare Credit $120 /monthly

Status & Elite Perks (1)

Priority Pass Lounge Access $469 /yr

Protections (2)

Cell Phone Protection
Purchase Assurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

88 2% back

Instacart Mastercard

Chase

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Instacart	5%	5%
Dining	2%	2%
Gas	2%	2%
Streaming	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Status & Elite Perks (1)

World Elite Concierge

Protections (4)

Purchase Protection
Extended Warranty Protection
Auto Rental Coverage
Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

89 2% back

MGM Rewards Iconic World Elite

First National Bank of Omaha

Dining

Annual fee

$249

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Mgm Resorts	6%	6%
Hotels	2%	2%
Dining	2%	2%
Gas	2%	2%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $430/yr face value

Credits (2)

$200 Annual Resort Credit $200 /yr
Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (2)

MGM Pearl Elite Status $50 /yr
Priority Pass Membership $50 /yr

Protections (1)

Trip Cancellation & Delay Insurance $100 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

90 2% back

My Best Buy Visa

Citi

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Bestbuy	5%	5%
Gas	3%	3%
Dining	2%	2%
Groceries	2%	2%
Everything else	1%	1%

91 2% back

Nordstrom Visa Credit Card

TD Bank USA

Dining

Annual fee

Welcome bonus

$40 Bonus Note when you use your card the day you are approved

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Nordstrom	2%	2%
Dining	2%	2%
Groceries	2%	2%
Gas	2%	2%
EV Charging	2%	2%
Streaming	2%	2%
Everything else	1%	1%

Benefits · $230/yr face value

Status & Elite Perks (1)

Anniversary Sale Early Access $100 /yr

Protections (4)

Extended Warranty Protection $25 /yr
Purchase Security $25 /yr
Lost or Damaged Luggage Insurance $25 /yr
Travel Accident Insurance $5 /yr

Other (2)

Complimentary Alterations $50 /yr
5% Off at Nordstrom Rack

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

92 2% back

Rakuten American Express Card

American Express

Dining

Annual fee

Welcome bonus

$200 cash back

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Rakuten	4%	4%
Groceries	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $50/yr face value

Protections (2)

Purchase Protection $50 /yr
Extended Warranty

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

93 2% back

Target Circle Card Mastercard

TD Bank USA

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Target	5%	5%
Dining	2%	2%
Gas	2%	2%
Everything else	1%	1%

Benefits · $50/yr face value

Status & Elite Perks (1)

Free 2-Day Shipping $50 /yr

Other (2)

30-Day Extended Returns
5% Off In-Store Starbucks

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

94 3x → ≈ 1.5% back

Chase IHG Traveler

Chase

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
IHG	5x	2.5%
Dining	3x	1.5%
Gas	3x	1.5%
Internet / Cable / Phone	3x	1.5%
Streaming	3x	1.5%
Everything else	2x	1%

Benefits · $23,800/yr face value

Credits (2)

Annual Spend Bonus $10,000 /yr
Redeem 3 Nights Get 4th Free

Status & Elite Perks (2)

Automatic Silver Elite Status
Gold Elite Status Upgrade

Protections (4)

Trip Cancellation and Interruption Insurance $10,000 /yr
Lost Luggage Reimbursement $3,000 /yr
Purchase Protection $500 /yr
Baggage Delay Insurance $300 /yr

Other (2)

Points Purchase Discount
Early Access Reward Night Sales

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

95 1x → ≈ 1.5% back

Full review →

US Bank Altitude Reserve

U.S. Bank

Dining

Annual fee

$400

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	3x	4.5%
Mobile Wallet	3x	4.5%
Everything else	1x	1.5%
Dining	1x	1.5%

Benefits · $425/yr face value

Credits (2)

$325 Annual Travel Credit $325 /yr
Global Entry or TSA PreCheck Fee Credit $100 /yr

Status & Elite Perks (1)

Priority Pass Select Membership

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

96 1x → ≈ 1.4% back

Amex Schwab Platinum

American Express

Dining

Annual fee

$895

Welcome bonus

80,000 Membership Rewards Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	1x	1.4%
Groceries	1x	1.4%
Gas	1x	1.4%
Everything else	1x	1.4%

Benefits · $5,004/yr face value

Credits (14)

Schwab Appreciation Bonus ($10M+) $1,000 /yr
$600 Hotel Credit $600 /semi-annual
$400 Resy Credit $400 /quarterly
$25 Monthly Digital Entertainment Credit $300 /monthly
$300 Lululemon Credit $300 /quarterly
$300 Equinox Credit $300 /yr
$189 CLEAR Plus Credit $209 /yr
Schwab Appreciation Bonus ($1M-$10M) $200 /yr
$200 Airline Fee Credit $200 /yr
$200 Oura Ring Credit $200 /yr
$15 Monthly Uber Credit $200 /monthly
$12.95 Monthly Walmart+ Credit $155 /monthly
$120 Global Entry/TSA PreCheck Credit $120 /yr
Schwab Appreciation Bonus ($250K-$1M) $100 /yr

Status & Elite Perks (5)

Centurion Lounge Access $500 /yr
$120 Uber One Credit $120 /yr
Hilton Honors Gold Status $50 /yr
Marriott Bonvoy Gold Elite Status $50 /yr
1.1cpp Schwab Redemption

Redemption progress, reset dates and expiry alerts for all 19 benefits — track them automatically in the MaxWorth app →

97 2x → ≈ 1% back

Barclays Wyndham Earner

Barclays

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	5x	2.5%
Dining	2x	1%
Groceries	2x	1%
Everything else	1x	0.5%

Benefits · $250/yr face value

Credits (2)

Welcome Bonus $200
Anniversary Bonus $50 /yr

Status & Elite Perks (1)

Wyndham Rewards Gold Status

Protections (1)

$0 Fraud Liability Protection

Other (3)

Earn Free Nights Faster
Cardmember Booking Discount
0% Intro APR Balance Transfers

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

98 2x → ≈ 1% back

Chase IHG Select

Chase

Dining

Annual fee

$49

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
IHG	5x	2.5%
Dining	2x	1%
Gas	2x	1%
Groceries	2x	1%
Everything else	1x	0.5%

Benefits · $400/yr face value

Credits (2)

Anniversary Free Night Certificate $200 /yr
10% Point Rebate on Redemptions $50 /yr

Status & Elite Perks (1)

Platinum Elite Status $150 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

How we rank

Rankings are generated from the MaxWorth database at build time. Point multipliers are converted to true cash-back value using program-level point valuations (a 4x rate in 1.4¢ points ranks as 5.6%). Issuer-portal-exclusive rates are excluded; single-brand rates are included but flagged. No card pays to be here. Content is not reviewed or endorsed by any issuer — full disclaimer.

FAQ

What counts as dining?

Restaurants, bars, cafes and most food delivery services. Some issuers exclude bakeries inside grocery stores, hotel restaurants charged to the room, and food trucks with generic merchant codes.

Do delivery apps like DoorDash count?

Usually yes — DoorDash, Uber Eats and Grubhub typically code as dining, but markups and fees mean your effective return is lower than dining out directly.