Best Cards/Dining

🍽️Best Credit Cards for Dining 2026

10 cards ranked by annual dining value

American Express Platinum
American Express

American Express Platinum

Dining Value
$400
Annual Fee
$895
Total Value
$3,076
Net Value
+$2,181
Dining Benefits:
2
American Express Platinum (Morgan Stanley)
American Express

American Express Platinum (Morgan Stanley)

Dining Value
$400
Annual Fee
$895
Total Value
$3,076
Net Value
+$2,181
Dining Benefits:
3
American Express Platinum (Charles Schwab)
American Express

American Express Platinum (Charles Schwab)

Dining Value
$400
Annual Fee
$895
Total Value
$3,076
Net Value
+$2,181
Dining Benefits:
4
American Express Gold
American Express

American Express Gold

Dining Value
$304
Annual Fee
$325
Total Value
$424
Net Value
+$99
Dining Benefits:
Restaurant Partners Credit(The Cheesecake Factory, Five Guys)
$120
$84
5
American Express Marriott Bonvoy Brilliant
American Express

American Express Marriott Bonvoy Brilliant

Dining Value
$300
Annual Fee
$650
Total Value
$300
Net Value
-$350
Dining Benefits:
6
Chase Sapphire Reserve
Chase

Chase Sapphire Reserve

Dining Value
$300
Annual Fee
$795
Total Value
$2,921
Net Value
+$2,126
Dining Benefits:
Exclusive Tables Dining Credit(Chase Exclusive Tables)
$300
7
American Express Delta SkyMiles Reserve Business
American Express

American Express Delta SkyMiles Reserve Business

Dining Value
$240
Annual Fee
$650
Total Value
$610
Net Value
-$40
Dining Benefits:
8
American Express Delta SkyMiles Reserve
American Express

American Express Delta SkyMiles Reserve

Dining Value
$240
Annual Fee
$650
Total Value
$560
Net Value
-$90
Dining Benefits:
9
Delta SkyMiles® Platinum American Express Card
American Express

Delta SkyMiles® Platinum American Express Card

Dining Value
$120
Annual Fee
$350
Total Value
$390
Net Value
+$40
Dining Benefits:
10
Delta SkyMiles Platinum Business
American Express

Delta SkyMiles Platinum Business

Dining Value
$120
Annual Fee
$350
Total Value
$440
Net Value
+$90
Dining Benefits:

Frequently Asked Questions

What is the best credit card for dining?

The American Express Platinum is the best credit card for dining with $400 in annual dining value. Key benefits include Resy Dining Credit. The card has a $895 annual fee but provides $3,076 in total annual benefits.

How much value can I get from dining credit card benefits?

Dining credit card benefits range from $120 to $400 annually. The average dining value across top cards is $282/year. Benefits can include Resy Dining Credit.

Which card has the most dining benefits?

The top 3 cards for dining benefits are: 1) American Express Platinum ($400), 2) American Express Platinum (Morgan Stanley) ($400), and 3) American Express Platinum (Charles Schwab) ($400). The American Express Platinum offers the highest annual dining value.

Is the American Express Platinum worth it for dining?

Yes, the American Express Platinum can be worth it if you maximize dining benefits. It offers $400 in annual dining value and $3,076 in total benefits with a $895 annual fee, for a net value of $2,181. Focus on using Resy Dining Credit.

What are the best dining benefits?

The best dining benefits include Resy Dining Credit ($400/year). The American Express Platinum offers the most comprehensive dining coverage with $400 in total annual value.

Which Amex card is best for dining?

Amex has 9 cards ranked highly for dining. The best is the American Express Platinum with $400 in annual dining value. Other strong Amex options include the American Express Platinum (Morgan Stanley) and American Express Platinum (Charles Schwab).

Which premium credit card has the best dining benefits?

The American Express Platinum is the best premium card for dining with $400 in annual dining value and a $895 annual fee. It provides $3,076 in total annual benefits for a net value of $2,181.