Best dining credit cards
Restaurants, food delivery, groceries.
🇮🇳 India
HDFC Regalia Gold
HDFC Bank
Mid-tier travel + dining without the Diners Black price tag
HDFC Swiggy
HDFC Bank
Heavy Swiggy/Instamart users, 10% on the platform tops anything else.
HDFC Regalia
HDFC Bank
Mid-tier travel without the Regalia Gold price tag.
ICICI Sapphiro
ICICI Bank
Mid-premium with strong dining + travel mix.
🇺🇸 United States
Chase Sapphire Preferred
Chase
First-time travel-rewards card, sweet-spot earn rates
EXPRESS
American Express Gold
American Express
Heavy restaurant + grocery spenders ($1K+/mo on food)
Chase Freedom Unlimited
Chase
No-fee everyday card; pairs perfectly with Sapphire Preferred
Capital One Savor
Capital One
Foodies on a no-fee card, restaurants, delivery, streaming, groceries
Chase Sapphire Reserve
Chase
Annual travelers, the upgrade path from Sapphire Preferred.
EXPRESS
Amex Blue Cash Preferred
American Express
Suburban families with kids, best US-supermarket card.
Wells Fargo Autograph
Wells Fargo
No-fee 3x on six categories, broader than most no-fee competitors.
EXPRESS
Amex Business Gold
American Express
Small businesses, 4x on top 2 spend categories from a list of 6.
Bank of America Premium Rewards
Bank of America
BoA Preferred Rewards clients, up to 2.625x with $100K relationship.
US Bank Altitude Connect
US Bank
No-fee 4x travel, rare combination of no fee + premium earn rate.