Best dining credit cards
Restaurants, food delivery, groceries.
🇮🇳 India
HDFC Regalia Gold
HDFC Bank
Mid-tier travel + dining without the Diners Black price tag
Kotak White Reserve
Kotak Mahindra Bank
Premium dining + travel without breaking the ₹3K-fee tier.
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.
Citi Premier
Citi
Travel + dining + groceries combined — broader 3x than Sapphire Preferred.
Wells Fargo Autograph
Wells Fargo
No-fee 3x on six categories — broader than most no-fee competitors.
Citi Premier
Citi
Mid-tier travel card with 16+ airline transfer partners.
EXPRESS
Amex Blue Cash Preferred
American Express
Highest grocery cashback in the US — 6% at supermarkets.
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.