Purchase optimizer
Find the best card for a purchase
Browse catalog rules for a category. Program currencies and eligibility differ, so these are not ranked by dollar value. Matching wallet cards are highlighted in your browser.
Cards with listed category rules
Why these cards appear
85 published cards match Dining, the personal and business card filter, and the selected annual-fee limit.
- Results are alphabetical—not a dollar-value ranking.
- The $500 monthly-spend estimate is context only because different reward currencies cannot be compared safely without a value assumption.
- Cards without a reviewed matching rule are omitted, not treated as earning zero.
Listed rates may require a particular hotel brand, booking portal, merchant or enrollment. A larger number is not necessarily a better return. Legacy reward currencies still need review; no automatic dollar ranking is shown.
Calculate value using your reward currency and assumptions →
Chase
Aeroplan Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Bank of America
Air France KLM World Elite Mastercard
3.00 listed rate · reward currency requires confirmation
Annual fee: $89
Purchase channel and brand restrictions: confirm with issuer.
Eligible dining purchases.
Chase
Amazon Visa
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
American Express
American Express Gold Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $325
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $50,000 per annual.
Rates and eligibility are subject to issuer terms and merchant coding.
FNBO
Amtrak Guest Rewards Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
FNBO
Amtrak Guest Rewards Preferred Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Bank of America
Atmos Rewards Summit Visa Infinite Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $395
Purchase channel and brand restrictions: confirm with issuer.
Published base rate; category definitions, relationship bonuses, caps, and merchant coding may change the return.
Bank of America
Bank of America Premium Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Published base rate; category definitions, relationship bonuses, caps, and merchant coding may change the return.
Bank of America
Bank of America Premium Rewards Elite Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $550
Purchase channel and brand restrictions: confirm with issuer.
Published base rate; category definitions, relationship bonuses, caps, and merchant coding may change the return.
BMO
BMO Escape Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $3,000 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
BMO
BMO Premium Rewards Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $2,000 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Imprint / First Electronic Bank
Booking.com Genius Rewards Visa Signature Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Bank of America
Business Advantage Customized Cash Rewards Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible dining purchases; quarterly combined cap applies.
Capital One
Capital One Savor Rewards
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Capital One
Capital One Savor Rewards for Good Credit
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Capital One
Capital One Savor Rewards for Students
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Capital One
Capital One SavorOne Rewards for Fair Credit
3.00 listed rate · reward currency requires confirmation
Annual fee: $39
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
Chase Freedom Flex
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Chase
Chase Freedom Unlimited
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Citi
Citi / AAdvantage Globe Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $350
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurant purchases.
Citi
Citi AAdvantage Platinum Select World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
Citi Strata Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Citi Travel and selectable-category terms apply. Merchant coding, account eligibility and issuer terms apply.
Citi
Citi Strata Elite
3.00 listed rate · reward currency requires confirmation
Annual fee: $595
Purchase channel and brand restrictions: confirm with issuer.
Restaurants; eligible Citi Nights dining may earn more.
Citi
Citi Strata Premier Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Citi
Costco Anywhere Visa Business Card by Citi
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
Costco Anywhere Visa Card by Citi
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
American Express
Delta SkyMiles Blue American Express Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurants worldwide.
American Express
Delta SkyMiles Gold American Express Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurants worldwide.
American Express
Delta SkyMiles Gold Business American Express Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. restaurant purchases.
American Express
Delta SkyMiles Platinum American Express Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $350
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurants worldwide.
Chase
DoorDash Rewards Mastercard
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Synchrony
eBay Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurant purchases.
Barclays
Frontier Airlines World Mastercard
3.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible FRONTIER purchases earn the airline rate. Merchant coding, account eligibility and issuer terms apply.
American Express
Hilton Honors American Express Aspire Card
7.00 listed rate · reward currency requires confirmation
Annual fee: $550
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. restaurant purchases.
American Express
Hilton Honors American Express Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. restaurant purchases.
American Express
Hilton Honors American Express Surpass Card
6.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Eligible U.S. restaurant purchases.
Chase
IHG One Rewards Premier Business Credit Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
IHG One Rewards Premier Credit Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Earns 5 points per $1 at restaurants, including eligible delivery.
Chase
IHG One Rewards Traveler Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
Ink Business Cash Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $25,000 per annual.
Rates and eligibility are subject to issuer terms and merchant coding.
Chase
Instacart Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Barclays
JetBlue Plus Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible JetBlue purchases earn the airline rate. Merchant coding, account eligibility and issuer terms apply.
Citi
L.L.Bean Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
L.L.Bean rate applies to eligible direct purchases. Merchant coding, account eligibility and issuer terms apply.
Citi
L.L.Bean Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurant purchases.
American Express
Marriott Bonvoy Bevy American Express Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $250
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurants worldwide; combined annual cap may apply.
Chase
Marriott Bonvoy Boundless Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $6,000 per annual.
Shares a $6,000 combined annual cap with grocery and gas purchases; then 2 points.
Chase
Marriott Bonvoy Bountiful Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $250
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
American Express
Marriott Bonvoy Brilliant American Express Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $650
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurants worldwide.
American Express
Marriott Bonvoy Business American Express Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $125
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurants worldwide.
FNBO
MGM Rewards Iconic World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $249
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Citi
My Best Buy Visa Card (annual fee varies: $0–$59)
2.00 listed rate · reward currency requires confirmation
Annual fee: $59
Purchase channel and brand restrictions: confirm with issuer.
Eligible dining and takeout purchases.
Navy Federal Credit Union
Navy Federal Flagship Premier Visa Signature
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Eligible dining purchases.
Navy Federal Credit Union
Navy Federal More Rewards American Express
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurants and food delivery.
Wells Fargo
One Key+ Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible restaurant purchases.
PenFed Credit Union
PenFed Platinum Rewards Visa Signature Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
PNC
PNC Cash Rewards Visa
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Restaurant purchases; combined annual category cap applies.
Chase
Prime Visa
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Earns 2% at restaurants; merchant coding and exclusions apply.
Imprint / First Electronic Bank
Rakuten American Express Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rakuten rate is additional cash back on eligible purchases made through Rakuten. Merchant coding, account eligibility and issuer terms apply.
Bank of America
Royal Caribbean Royal ONE Plus Visa Infinite
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible dining purchases.
Synchrony
Sam’s Club Mastercard
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible dining and takeout purchases.
Imprint / First Electronic Bank
Shell Performance Elite World Mastercard
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
SoFi Bank
SoFi Everyday Cash Rewards Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published durable earning rate; redemption rules, exclusions, merchant coding, and account requirements apply.
Chase
Southwest Rapid Rewards Performance Business Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $299
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Premier Business Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $149
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $8,000 per annual.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Premier Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $149
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $8,000 per annual.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Priority Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $229
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Stanford Federal Credit Union
Stanford Alumni Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Combined annual caps and merchant eligibility apply to bonus categories. Merchant coding, account eligibility and issuer terms apply.
Stanford Federal Credit Union
Stanford Athletics Fan Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Combined annual caps and eligible Stanford merchants apply. Merchant coding, account eligibility and issuer terms apply.
Stanford Federal Credit Union
Stanford FCU Business Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Restaurant and food-delivery purchases earn the higher rate. Merchant coding, account eligibility and issuer terms apply.
Stanford Federal Credit Union
Stanford FCU Tech Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Amazon, Google and Apple purchases earn the higher rate; combined annual caps apply. Merchant coding, account eligibility and issuer terms apply.
Stanford Federal Credit Union
Stanford Student Cash Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Select Stanford dining and bookstore purchases can earn 5%; the broadly comparable dining and base rates are modeled. Merchant coding, account eligibility and issuer terms apply.
TD Bank
Target Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published durable earning rate; redemption rules, exclusions, merchant coding, and account requirements apply.
U.S. Bank
U.S. Bank Altitude Go Visa Signature Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $2,000 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
United Business Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Club Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $695
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Explorer Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Quest Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $350
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
FNBO
Universal Rewards Plus Visa Signature Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Synchrony
Verizon Visa Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Wells Fargo
Wells Fargo Autograph Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Wells Fargo
Wells Fargo Autograph Journey Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Earns 3 points per $1 at restaurants.
Wells Fargo
Wells Fargo One Key Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
World of Hyatt Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Earns 2 points per $1 at restaurants.
Barclays
Wyndham Rewards Earner Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible Wyndham purchases earn the hotel rate. Merchant coding, account eligibility and issuer terms apply.
Barclays
Wyndham Rewards Earner Plus Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $75
Purchase channel and brand restrictions: confirm with issuer.
Eligible Wyndham purchases earn the hotel rate. Merchant coding, account eligibility and issuer terms apply.
Estimates are subject to issuer terms, spending caps, enrollment requirements and merchant coding.