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    The Best Credit Cards for Restaurants and Takeout in February 2026

    The Best Credit Cards for Restaurants and Takeout in February 2026

    We may be compensated when you click on a link, when an application is approved, or when an account is opened from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    If points and miles are what fuel your travel, then dining such as restaurants and takeout are what fuel you as a traveler.

    We’ve thought long and hard about which cards are best for paying for restaurants. The cards below offer excellent rewards and points for dining purchases, including restaurants and takeout.

    Here are our favorite cards for purchases from food establishments.

    Our Top Picks

    Our top pick is the American Express® Gold Card, as it offers 4 points per $1 spent on dining purchases (up to $50,000 per year). The Platinum Card® from American Express and the Chase Sapphire Preferred® Card are also top contenders and excellent cards overall.

    1. American Express® Gold Card (Best for Restaurants, Takeout and U.S. Supermarkets)

    NEW OFFER
    American Express® Gold CardTerms Apply / Rates & Fees
    American Express® Gold Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    American Express® Gold Card
    This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
    You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
    As High As 100,000 Points. Find Out Your Offer.
    Up to $2,200
    $325
    See Pay Over Time APR
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

    The American Express® Gold Card is a game-changer.

    With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

    There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

    Pros & Cons
    Pros
    • 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
    • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
    • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
    Cons
    Read Full Review
    Card Highlights
    • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
    • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
    • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
    • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
    • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
    • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
    • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
    • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
    • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
    • No Foreign Transaction Fees.
    • Annual Fee is $325.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    The Amex Gold card is the best card to maximize your earning potential at restaurants and dining. That’s because it earns 4 Membership Rewards Points per $1 for purchases at restaurants worldwide (up to $50,000 per year) and at U.S. supermarkets (up to $25,000 per year).

    Beyond that, this card comes with up to $10 in monthly dining statement credits when you make purchases at participating partners Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. You have to enroll to get this benefit.

    Also, another dining-related perk is up to $120 in Uber Cash, offered in the form of up to $10 per month. You can use this for Uber rides in the U.S., as well as Uber Eats orders in the U.S. You must add your Amex Gold card to your Uber account and pay for your order or ride with an Amex card to use this benefit. Plus, cardmembers now also receive a up to $7 monthly credit for purchases at U.S. Dunkin’ stores, which totals up to $84 a year back as a statement credit.

    Earning rewards in 4x bonus spending categories, receiving dining credits, and the Uber Cash perks easily offset the annual fee. Note that enrollment is required for certain Amex Gold card benefits. The card is a top choice for dining rewards.

    To round it out, you get baggage insurance, secondary rental car coverage, purchase protection, extended warranty, and more!

    The Amex Gold card has no foreign transaction fees, no preset spending limit, and lets you have up to 5 authorized users for no additional annual fees (rates & fees). With no preset spending limit, your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

    2. Platinum Card® from American Express (Best for Flights and Luxury Travel Benefits)

    + NEW BENEFITS
    Platinum Card® from American ExpressTerms Apply / Rates & Fees
    Platinum Card® from American Express
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    Platinum Card® from American Express
    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
    You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
    As High As 175,000 Points. Find Out Your Offer.
    Up to $3,850
    $895
    See Pay Over Time APR
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

    When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card® from American Express.

    Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

    Pros & Cons
    Pros
    • The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
    • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
    • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
    Cons
    • $895 annual fee (rates and fees)
    • Airline credit does not cover airfare (only incidentals like checked bags)
    Read Full Review
    Card Highlights
    • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
    • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
    • More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
    • More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
    • More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
    • More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
    • New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
    • More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
    • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
    • New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
    • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
    • $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
    • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
    • $895 annual fee.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    The Amex Platinum card is one of the most premium credit cards out there, offering a ton of luxury perks for shopping, travel, and more (many of these benefits require prior enrollment). For food purchases, you get up to $15 in monthly Uber Cash (up to $35 in December) and up to $120 per year in credits for Uber One membership. Similar to the Amex Gold card, you must add your Amex Platinum card to your Uber account and pay with an Amex card to use the Uber Cash. These Uber credits can be used on U.S. food orders as well as U.S. rides.

    You also get up to $100 in Resy statement credits each quarter when you use your Amex Platinum card to pay at U.S. Resy restaurants. And with Platinum Nights by Resy, you can get special access to reservations on certain nights at participating Resy restaurants.

    If you prefer to dine at home, the Amex Platinum card also comes with monthly $12.95 statement credits for Walmart+ membership. That can be great if you’re a foodie who prefers cooking and eating at home.

    In addition to these dining and food-related benefits, the Amex Platinum comes with a bevy of luxury benefits. This includes premium airport lounge access and annual credits for hotels, select digital entertainment services, and airline incidental fees.

    3. Chase Sapphire Preferred® Card (Best Card With an Annual Fee Under $100)

    NEW OFFER
    Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
    Chase Sapphire Preferred® Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

    Apply Now(at Chase's secure site)
    Chase Sapphire Preferred® Card
    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
    Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    60,000 75,000 points
    $1,500
    $95
    19.24% - 27.49% Variable
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

    The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

    Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

    Pros & Cons
    Pros
    • 5x points on all travel booked via the Chase Travel portal
    • 3x points on dining purchases, online grocery purchases, and select streaming services
    • 2x points on all other travel worldwide
    Cons
    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    Read Full Review
    Card Highlights
    • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
    • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
    • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
    • Member FDIC
    Financial Snapshot
    • APR: 19.24% - 27.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    The Chase Sapphire Preferred card earns an amazing 3 Ultimate Rewards points per $1 spent on dining and online grocery purchases. This is especially impressive when you consider its mild annual fee. It even has an enormous welcome offer to help you rack up points faster than ever.

    Another neat perk with this card is a complimentary DoorDash DashPass for a minimum of 1 year when you activate membership by December 31, 2027. This is a subscription service that includes reduced fees on certain DoorDash orders over $12, which makes ordering food delivery a little cheaper.

    There are plenty of other earning categories available:

    • 5x points on all travel booked through Chase Travel
    • 5x points on all Lyft purchases through September 30, 2027
    • 3x points on some streaming purchases
    • 2x points on all other travel worldwide
    • 1x points on all other purchases

    It even has a $50 annual credit on hotel stays booked through Chase Travel.

    Other important benefits include an up to 75% redemption bonus when you book through the Chase travel portal, awesome travel insurance (including primary rental car coverage), and a unique 10% annual points bonus every card anniversary!

    For all these reasons, plus the facts it levies no foreign transaction fees or added fees for authorized users, we’ve included it as one of the best credit cards for dining.

    4. Delta SkyMiles® Gold American Express Card (Best for Delta Flyers)

    LIMITED TIME OFFER
    Delta SkyMiles® Gold American Express CardTerms Apply / Rates & Fees
    Delta SkyMiles® Gold American Express Card
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This card provides bonus SkyMiles on all purchases, along with a free checked bag, priority boarding, and discounted award flights.

    Apply Now(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    Delta SkyMiles® Gold American Express Card
    This card provides bonus SkyMiles on all purchases, along with a free checked bag, priority boarding, and discounted award flights.
    Earn 70,000 Bonus Miles after you spend $3,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
    Up to 90,000 miles
    Up to $1,080
    $0 introductory annual fee for the first year, then $150.
    19.49%-28.49% Variable
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

    Frequent Delta flyers will love the Delta SkyMiles® Gold American Express Card. The card offers great benefits that will help save you money, effectively mimics low-level elite status with Delta SkyMiles, and helps you earn miles even faster, all for a low annual fee. Let’s dive into the benefits to see if the Delta Gold card is a good fit for your needs.

    Pros & Cons
    Pros
    • $100 Delta Stays Credit: You can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
    • Receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
    • Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    Cons
    • Moderate annual fee
    • Earn rate for Delta flights is relatively low compared to other travel cards
    Read Full Review
    Card Highlights
    • Earn 70,000 Bonus Miles after you spend $3,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 20,000 bonus miles after you make an additional $2,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
    • Enjoy a $0 introductory Annual Fee for the first year, then $150.
    • Delta SkyMiles® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
    • $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
    • When you use your Delta SkyMiles® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
    • Enjoy your first checked bag free on Delta flights and save up to $70 per person on a round-trip Delta flight.
    • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
    • $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
    • Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
    • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
    • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
    • With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
    • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
    • Terms Apply.
    Financial Snapshot
    • APR: 19.49%-28.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Delta SkyMiles Frequent Flyer Program

    The Delta Gold card earns 2x SkyMiles at restaurants and at U.S. supermarkets, in addition to double miles on Delta purchases. This can make it a great card for dining if you’re a frequent Delta flyer. In addition to earning Delta SkyMiles with every purchase, holding the Delta Gold card can stretch your miles even further. That’s because cardholders can redeem 15% fewer SkyMiles when booking an award flight on delta.com or through the Fly Delta app.

    You also get a complimentary first checked bag for you and up to 8 travel companions on Delta flights, Zone 5 priority boarding for you and up to 8 travel companions, and 20% off inflight purchases when you use your card.

    5. Chase Sapphire Reserve® (Best for Earning Chase Ultimate Rewards Points and Premium Perks)

    NEW OFFER
    Chase Sapphire Reserve®Terms Apply / Rates & Fees
    Chase Sapphire Reserve®
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    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

    Apply Now(at Chase's secure site)
    Chase Sapphire Reserve®
    A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
    Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
    125,000 points
    $2,500
    $795
    19.49% - 27.99% Variable
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Excellent
    Why We Like This Card

    If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options.

    The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

    Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

    Pros & Cons
    Pros
    • 8x points on all Chase Travel purchases
    • 5x points on Lyft rides
    • 4x points on flights and hotels booked directly
    Cons
      • $795 annual fee
    Read Full Review
    Card Highlights
    • Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
    • Get more than $2,700 in annual value with Sapphire Reserve.
    • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
    • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
    • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
    • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
    • Member FDIC
    Financial Snapshot
    • APR: 19.49% - 27.99% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    While the Chase Sapphire Reserve card has a premium annual fee, it’s packed with equally premium benefits that bring great value for the frequent traveler. These include travel purchase credits, worldwide lounge access, earnings on travel purchases, and a generous welcome offer.

    But to start, it earns Ultimate Rewards points at an impressive pace:

    • 8x points on all purchases through Chase Travel
    • 4x points on airfare and hotels booked direct
    • 3x points on dining worldwide
    • 1x points on all other purchases

    It also grants access to the Exclusive Tables program, where cardholders can get sought-after reservations at certain U.S. restaurants in various cities. Plus, cardholders get up to $300 in statement credits annually for dining at restaurants that are part of the program.

    Benefits outside of dining include an up-to-$300 travel credit every anniversary year; a complimentary Priority Pass Select membership upon activation; an up-to-100% bonus on certain travel redemptions made through the Chase Travel portal; an up-to-50% bonus via Pay Yourself Back; an up to $120 application fee credit for Global Entry, TSA PreCheck, or NEXUS; and the best travel insurance from a credit card. The card also has no foreign transaction fees.

    6. Chase Freedom Unlimited® (Best for Travel, Dining, and Drugstores, No Annual Fee)

    Chase Freedom Unlimited®Terms Apply / Rates & Fees
    Chase Freedom Unlimited®
    Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

    Apply Now(at Chase's secure site)
    Chase Freedom Unlimited®
    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
    Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    $200
    $0
    0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent
    Why We Like This Card

    The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

    When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

    Pros & Cons
    Pros
    • 5% back on travel purchased through Chase Travel℠
    • 3% back on dining and drugstore purchases
    • 1.5% back on all other purchases
    Cons
      • 3% foreign transaction fee
    Read Full Review
    Card Highlights
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
    • Member FDIC
    Financial Snapshot
    • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    Rewards Center

    Chase Ultimate Rewards

    Another card to consider is the Freedom Unlimited card, which comes with decent benefits for a card with no annual fee. You earn 3% cash-back on dining purchases.

    You also earn 5% cash-back on travel booked with Chase Travel, 3% on purchases at drugstores, and 1.5% cash-back on all other purchases. This can make the Freedom Unlimited card great for when you don’t have another card with a category bonus.

    Even better, if you also have a premium Chase card (like the Chase Sapphire Preferred card or Chase Sapphire Reserve card), your cash-back can be converted to valuable Chase Ultimate Rewards points by combining the rewards from your different Chase cards. We value Ultimate Rewards points at around 2 cents each, so this can give you an even better return on your dining spending. Combining Ultimate Rewards points among different Chase cards can be a great way to get a ton of value from your credit card spending.

    Upgrade your travel experience

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