Which credit card pays the most on dining in the United States?
Of the cards whose terms were read off the issuer, U.S. Bank Altitude Go (U.S. Bank) publishes the highest rate on dining in the United States: 4.00% (this rate covers only the first USD 2,000 of spending; the terms say: 4 points per $1 at restaurants, fast-food restaurants and bars, including takeout and delivery, on the first $2,000 each quarter; then 1.; no annual fee). This is a ranking of published rates, not a recommendation to apply.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
17 read cards · United States · dining
The answer, from 17 read cards
Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.
| # | Return | Card |
|---|---|---|
| 1 | 4.00% | U.S. Bank Altitude GocheckedU.S. Bank · no annual fee · checked 15 Oct 2026this rate covers only the first USD 2,000 of spending; the terms say: 4 points per $1 at restaurants, fast-food restaurants and bars, including takeout and delivery, on the first $2,000 each quarter; then 1. |
| 2 | 3.00% | Capital One SavorcheckedCapital One · no annual fee · checked 15 Oct 2026 |
| 3 | 3.00% | Chase Freedom FlexcheckedChase · no annual fee · checked 15 Oct 2026 |
| 4 | 3.00% | Chase Freedom UnlimitedcheckedChase · no annual fee · checked 17 Aug 2026 |
| 5 | 3.00% | Chase Sapphire PreferredcheckedChase · USD 95 a year · checked 23 Sep 2026 |
| 6 | 3.00% | Chase Sapphire ReservecheckedChase · USD 795 a year · checked 23 Sep 2026 |
| 7 | 3.00% | Citi Strata PremiercheckedCiti · USD 95 a year · checked 23 Sep 2026 |
| 8 | 3.00% | Costco Anywhere VisacheckedCiti · no annual fee · checked 15 Oct 2026 |
| 9 | 3.00% | Marriott Bonvoy BoundlesscheckedChase · USD 95 a year · checked 15 Oct 2026this rate covers only the first USD 6,000 of spending |
| 10 | 3.00% | Wells Fargo AutographcheckedWells Fargo · no annual fee · checked 15 Oct 2026 |
| 11 | 2.40% | Amex GoldcheckedAmerican Express · USD 325 a year · checked 23 Sep 2026at most USD 300 back a month; the terms say: Restaurants worldwide, on up to $50,000 a calendar year, then 1x. |
| 12 | 2.00% | Chase Ink Business CashcheckedChase · no annual fee · checked 15 Oct 2026this rate covers only the first USD 25,000 of spending |
| 13 | 2.00% | Delta SkyMiles Gold AmexcheckedAmerican Express · USD 150 a year · checked 15 Oct 2026 |
| 14 | 2.00% | Delta SkyMiles Platinum AmexcheckedAmerican Express · USD 350 a year · checked 15 Oct 2026 |
| 15 | 2.00% | Southwest Rapid Rewards PrioritycheckedChase · USD 229 a year · checked 15 Oct 2026 |
| 16 | 2.00% | United Explorer CardcheckedChase · USD 150 a year · checked 15 Oct 2026 |
| 17 | 1.50% | Capital One QuicksilvercheckedCapital One · no annual fee · checked 16 Sep 2026 |
Rates on part of dining
These read cards pay on dining only at the places named. They are not ranked above, because the number is not what the card pays on dining anywhere else.
| Return | Card |
|---|---|
| 2.00% | U.S. Bank Cash+checkedU.S. Bank · no annual fee · checked 15 Oct 2026only at if chosen as your 2% category |
The right card depends on what you have already spent.
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.
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