Best credit cards for dining of June 2021

Using the right credit card when you go out to eat can mean valuable rewards and benefits just for getting dinner. CardRatings editors break down the best credit cards for dining, including takeout and delivery.
Jennifer Doss, CardRatings Editor Last Updated, June 10, 2021

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best credit cards for dining out

BEST CREDIT CARDS FOR DINING

The atmosphere, the food, the people...the no having to clean up the kitchen afterwards... what's not to love about dining out?

If dining out, or even dining in with takeout or delivery, is something you do often, a dining credit card deserves a place in your wallet. These credit cards reward you for every dollar spent on dining, whether you're eating at a fancy restaurant or heading through your favorite fast food drive-thru. Many credit cards for restaurants even offer special perks like free or reduced membership rates to food-delivery programs like DoorDash, or dining credits to your favorite restaurants. What's more is that grocery purchases are often included in these in these credit card rewards programs as well, so you can earn extra rewards on all of your meals — even the ones you decide to make and eat at home.

Whether you're looking for a no-annual-fee option, a go-to card for client business dinners, or the ultimate vacation dining credit card, there's something for everyone. Continue on for our list of the best credit cards for dining and restaurant purchases.

BEST CREDIT CARD FOR DINING AND ENTERTAINMENT

5
About Our Ratings

Why Why Like It: This is the ultimate night-out-on-the-town cash rewards credit card thanks to 3% cash back earned on both dining and entertainment purchases. Whether it's dinner and a movie, a takeout picnic and concert in the park, or a Fenway Frank and a baseball game, this card will reward you for it all.

The Bonus: Earn a $200 cash-back bonus after you spend $500 within the first three months of opening an account.

Annual Fee: $0

Rewards Rate: Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), and 1% on all other purchases.

Credit Needed: Excellent, Good

PROS:

  • This card makes date night a lot more exciting with 3% cash back on dining AND entertainment purchases.
  • Enjoy rewards even when you decide to cook thanks to 3% earned on grocery purchases, too.
  • This card doesn't charge a foreign transaction fee, which is rare for a no-annual-fee cash-back credit card. So feel fee to use it whether dining at your favorite neighborhood joint or at a sidewalk cafe in Paris!

CONS:

  • Outside of dining, groceries, streaming and entertainment, this card only rewards 1% cash back. If you spend heavily in other categories, you might want to consider a card with more bonus options.
  • This card offers intro 0% APR on purchases for the first 15 months of membership. This is a great perk, but just be aware that once this introductory period expires, regular 15.49% - 25.49% (Variable) APR will apply. This isn't really a con, per se, but definitely something to be aware of.

Read our full Capital One SavorOne Cash Rewards Credit Card review.

2020 Scores 2019 Scores
Overall Score 82.8 87.6
Rewards Program Satisfaction 8.3 8.6
Customer Service 8.4 8.9
Website/App Usability 8.2 9.0
Likelihood of Continuing to Use 8.4 9.0
Recommend to a Friend/Colleague 8.3 8.7

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST CREDIT CARD FOR VACATION DINING

5
About Our Ratings

Why Why Like It: One of the best parts of vacation is getting to try a whole new culinary scene. What's great about this card is that it rewards you for both travel purchases AND dining purchases, so you'll benefit from it all. Plus, the bonus for new cardholders is worth up to $1,250 towards travel which could stretch your vacation, and dining, budget far.

The Bonus: Earn 100,000 bonus points after spending $4,000 in the first three months. That's worth $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

Annual Fee: $95

Rewards Rate: Earn two points on dining at restaurants worldwide, including eligible delivery services; two points on travel; and one point on everything else.

Credit Needed: Excellent, Good

PROS:

  • Staying at an Airbnb with a chef's kitchen? Cook at meal at "home" and redeem points through the Pay Yourself Back program to cover your grocery bill.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. (Activate by December 31, 2021.)
  • Get home safely after a big meal with Lyft. Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.

CONS:

  • This card is really designed for people who like to eat out and/or travel often. If you spend a lot of money in other categories or rarely dine out or travel, there are likely better card options for you.
  • There is an annual fee so before applying, you'll want to consider whether you'll use the card enough to offset this cost.

Read our full Chase Sapphire Preferred® Card review.

2020 Scores 2019 Scores
Overall Score 82.3 84.4
Rewards Program Satisfaction 8.3 8.3
Customer Service 8.4 8.7
Website/App Usability 8.2 8.1
Likelihood of Continuing to Use 8.7 9.0
Recommend to a Friend/Colleague 7.8 8.4

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST DINING CREDIT CARD FOR DOORDASH ORDERS

5
About Our Ratings
Why We Like It:
With this card, cardholders can enjoy unlimited food deliveries with a $0 delivery fee and reduced service fees on orders of $12 for a minimum of one year on qualifying purchases made with DashPass, DoorDash's subscription service. (Must activate by December 31, 2021.) Plus, cardholders can also look forward to three points earned on travel and dining purchases.

The Bonus: Earn 60,000 Chase Ultimate Rewards® bonus points – worth up to $900 in travel – after you spend $4,000 in the first three months.

Annual Fee: $550; an additional $75 for each authorized user.

Rewards Rate: Earn three points per $1 spent on dining and on travel that isn't eligible for the annual $300 travel statement credit reimbursement and one point per $1 spent on all other purchases.

Credit Score Needed: Excellent

PROS:

  • If you like points rewards programs, Chase Sapphire Reserve® has one of the best. You can earn 3X points for every dollar spent on any dining purchases. If you spend $15,000 a year on dining, that would be 45,000 points. That translates to a $450 statement credit or $675 worth of travel expenses if you redeem through Chase Ultimate Rewards®.
  • Right out of the gate, this card offers a delicious signup bonus of 60,000 points when you spend at least $4,000 over the first three months after the card is activated. That translates to a $600 statement credit or $900 worth of travel when you book through Chase.
  • As an added bonus, receive a $300 travel rewards bonus each year on your card activation anniversary.

CONS:

  • The perks and rewards are attractive but they come with a steep price tag. The annual fee may be off-putting for many potential applicants. You need to be certain you will make use of the card on a regular basis in order to make full use of the perks and earn enough rewards to offset that fee.
  • There is no introductory interest rate for purchases or balance transfers.

Read our full review of the Chase Sapphire Reserve® card.

2020 Scores 2019 Scores
Overall Score 79.6 85.6
Rewards Program Satisfaction 7.9 8.5
Customer Service 7.9 8.7
Website/App Usability 7.9 8.6
Likelihood of Continuing to Use 8.3 8.8
Recommend to a Friend/Colleague 8.0 8.4

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST CARD FOR DINING CREDITS

5
About Our Ratings
Why We Like It:
This card comes with a $120 dining credit— a total of $10 in statement credits monthly when you pay with your card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations (enrollment required). Plus, earn a whopping 4X Membership Rewards® points at restaurants, as well as at U.S. supermarkets (on up to $25,000 per year in purchases at supermarkets, then one point per $1). American Express is a CardRatings advertiser.

The Bonus: Earn 60,000 Membership Rewards® points after you spend $4,000 on purchases within your first six months as a cardholder.

The Annual Fee: $250

Rewards Rate: Earn four times the Membership Rewards® points at restaurants including takeout and delivery; four points at U.S. supermarkets (on up to $25,000 per year in purchases at supermarkets, then one point per $1); three times the Membership Rewards® points on flights booked directly with airlines or on amextravel.com; and one point per $1 on your other purchases.

Credit Score Needed:  Good, Excellent

PROS:

  • This card is tailor made for folks who prefer to let others do the cooking. Cardholders can earn 4X points for every dollar spent on dining. This includes eating in, takeout and home delivery.
  • If you do happen to like cooking for yourself, you can also earn 4X points per dollar at U.S. supermarkets, up to $25,000 per year.
  • Another tasty perk comes in the form of an annual $120 ($10 a month) dining credit. Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Plus, get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.

CONS:

  • Membership has its privileges but they come with a price tag. The annual fee is substantial if you don't plan to make regular use of the card.
  • As you may know, American Express encourages its members to pay off their balance every month. You do also have the option of "paying over time."
  • Another drawback, travel rewards must be redeemed through amextravel.com.

Read our full American Express® Gold Card review.

2020 Scores 2019 Scores
Overall Score 88.9 84.6
Rewards Program Satisfaction 8.8 8.3
Customer Service 9.1 8.7
Website/App Usability 8.9 8.2
Likelihood of Continuing to Use 9.2 8.8
Recommend to a Friend/Colleague 8.7 8.4

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST NO-ANNUAL-FEE CREDIT CARD FOR DINING

5
About Our Ratings

Why Why Like It: This card offers a lot of flexibility if you spend heavily in other categories besides dining, and it doesn't feature an annual fee. In addition to 3% cash back on dining, you can also earn 5% in quarterly rotating categories when you activate, 5% back on travel purchased through Chase, 3% back at drugstores and 1% back on all other purchases.

The Bonus: Earn a $200 bonus after you spend just $500 in the first three months.

Annual Fee: $0

Rewards Rate: Earn 5% back on the first $1,500 spent in rotating quarterly categories each time you activate. You also earn 5% back on travel purchased through Chase, 3% back at restaurants, 3% back at drugstores and 1% back on your other purchases. Check out the current quarterly categories.

Credit Needed: Excellent, Good

PROS:

  • This card offers a healthy 3% cashback on all forms of dining, including takeout and home deliveries.
  • As many folks are ordering takeout during the pandemic, the Freedom Flex℠ card offers a nifty benefit in the form of a free three-month DoorDash membership. The next nine months are offered at a 50% discount.
  • If you dine out regularly, the sign-up bonus is easy money in your pocket. You earn $200 for spending just $500 over the first three months after your account is opened.
  • This card has a $0 annual fee, meaning all the cash back you earn goes straight into your wallet.

CONS:

  • This card has a 3% foreign transaction free. You might consider leaving it at home and tucking another card in your wallet when you travel out of the country for business or pleasure.
  • You need good to excellent credit to be approved. And depending on that credit worthiness, your starting interest rate could be on the high side. If you tend to carry a substantial balance, month-to-month, your cash back could easily be devoured by interest payments.

Read our full Chase Freedom Flex℠ review.

2020 Scores 2019 Scores
Overall Score 84.2 Did not survey
Rewards Program Satisfaction 8.4 n/a
Customer Service 8.6 n/a
Website/App Usability 8.3 n/a
Likelihood of Continuing to Use 9.0 n/a
Recommend to a Friend/Colleague 8.1 n/a

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST CREDIT CARD FOR TAKEOUT AND DELIVERY

U.S. Bank Altitude® Go Visa Signature® Card

(This card is not currently available on CardRatings)

5
About Our Ratings
Why We Like It:
This card earns 4X points on takeout, food delivery and dining out plus 2X points on streaming services, making it a great choice for a night in.

The Welcome Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. This bonus can be worth $200 toward merchandise, gift cards, cash back, travel and more. Plus, you can save on interest with an intro 0% APR for 12 billing cycles on purchases and balance transfers made within the first 60 days (then 14.99% - 23.99%* Variable).

Annual Fee: $0*

Rewards Rate: Earn 4X points on takeout, food delivery and dining out; 2X points at grocery stores, on grocery delivery, at gas stations, and on streaming services; and 1X point per $1 on all other eligible purchases.

Credit Score Needed: Good, Excellent

PROS:

  • This card has a $0 annual fee and doesn't charge foreign transaction fees. This makes it an attractive addition to your wallet when traveling out of the country.
  • U.S. Bank Altitude® Go Visa Signature® Card is a terrific card for foodies. You earn 4X points for each dollar spent on all dining options. You also earn 2X points on all grocery purchases, gas stations and streaming services.
  • To help get you started piling up points, you will earn 20,000 bonus points for spending just $1,000 over the first 90 days after the card is activated. The redemption rate is a penny a point when redeeming cash back, travel, gift cards or merchandise. That means if you make $3,000 in dining purchases over the first three months you have the card, you will have earned 32,000 points when you consider the welcome bonus, which translates to $320 in redemption value.
  • This card also offers an introductory interest rate of 0% for the first 12 billing cycles on balance transfers made within the first 60 days and on eligible purchases (then, 14.99% - 23.99%* Variable).

CONS:

  • You need Excellent credit (720 or above) to be considered for this card. Not necessarily a con for everyone, but perhaps for someone with a low credit score.
  • After the introductory rate expires, your interest rate will jump to 14.99% - 23.99%* Variable, depending on credit worthiness.

Read our full U.S. Bank Altitude® Go Visa Signature® Card review.

2020 Scores 2019 Scores
Overall Score 84.7 n/a
Rewards Program Satisfaction 8.4 n/a
Customer Service 8.6 n/a
Website/App Usability 8.5 n/a
Likelihood of Continuing to Use 8.9 n/a
Recommend to a Friend/Colleague 8.3 n/a

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST CREDIT CARD FOR DINING OUT AND GROCERY PURCHASES

5
About Our Ratings
Why We Like It:
If you like to dine out, but also enjoy occasionally cooking meals at home, this card may be a good fit for you. Cardholders earn 3% cash back in one choice category (dining is one of these categories) and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).

The Bonus: Earn a $200 online cash back bonus after you spend $1,000 in the first 90 days after opening account. Plus, enjoy 0% introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. (After the intro period, 13.99% - 23.99% Variable APR on purchases will apply.)

Annual Fee: $0

Rewards Rate: Earn 3% back in your choice category of gas, online shopping, dining, travel, drug stores, or home improvement/furnishing; 2% at grocery stores and wholesale clubs (up to $2,500 spent quarterly in combined choice category/grocery/wholesale club purchases); and 1% on all other purchases. You can update your choice category for future purchases once each calendar month using the mobile banking app or online banking, or do nothing and it stays the same.

Credit Needed: Excellent/Good

PROS:

  • With this card you have the option to update your choice category each month. So say you know there's a month you usually eat out a lot– December, perhaps, or maybe there's a month with several birthdays to celebrate, or maybe an anniversary– but then there are months where you spend heavily in other categories and hardly eat out at all: enter the choice category. Choose dining when you've got a lot of dining dates on the calendar, and whatever else best suits you other months. Or keep it dining all year long and enjoy all the restaurant meals you want, knowing your getting rewarded for each dollar spent on dining out!
  • Enjoy 0% introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. (After the intro period, 13.99% - 23.99% Variable APR on purchases will apply.)
  • If you’re a Bank of America Premier Rewards member you could earn up to 25%-75% more cash back on every purchase made.

CONS:

  • The ability to choose a choice category is great, but remember, you can only change this category once per month.
  • This offer is very competitive, but earning additional bonus cash back (25-75% more on each purchase) is reserved for those who are Preferred Rewards clients.

Read our full Bank of America® Customized Cash Rewards credit card review.

2020 Scores 2019 Scores
Overall Score 88.1 84.1
Rewards Program Satisfaction 8.9 8.5
Customer Service 8.9 8.4
Website/App Usability 8.8 8.4
Likelihood of Continuing to Use 9.2 8.8
Recommend to a Friend/Colleague 8.5 8.2

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST CREDIT CARD FOR BUSINESS DINNERS

5
About Our Ratings
Why We Like It:
Trying to impress clients with a fancy meal? Heading out for a lunch meeting? Make sure you're earning rewards on these expenses by bringing along this credit card.

The Bonus: New cardholders can earn a bonus of $750 after spending $7,500 within the first three months of card membership.

Annual Fee: $0

Rewards Rate: Earn 5% cash back on purchases at office supply stores and purchases of internet, cable and phone services (up to $25,000 in combined spending each account anniversary year). Also earn 2% back on the combined $25,000 spending each account year on gas station and restaurant purchases. Earn 1% back on your other purchases as well as in the bonus categories once you reach the spending cap.

Credit Needed: Excellent, Good

PROS:

  • No annual fee is always a good place to start with any credit card.
  • This card offers an introductory rate of 0% on all purchases for 12 months (then, 13.24% - 19.24% Variable). This can save a lot of money on interest.
  • By way of a signup bonus, you get the chance to earn $750 cash back when you spend at least $7,500 over the first three months after the card is activated. Not too shabby for a no-annual-fee card.
  • You also earn 5% cash back on the first $25,000 (combined expenditures) you spend on office supplies, internet, cable and phone service.

CONS:

  • After the 12-month introductory rate expires, your interest rate will jump to 13.24% - 19.24% Variable.
  • You earn just 2% cash back on the first $25,000 (combined) spent each year at restaurants and gas stations. Other cards have a higher rewards offer on dining purchases.
  • There is no balance transfer introductory rate.

Read our full review of the Ink Business Cash® Credit Card.

2020 Scores 2019 Scores
Overall Score 77.1 83.2
Rewards Program Satisfaction 7.7 8.1
Customer Service 7.7 8.5
Website/App Usability 7.7 8.5
Likelihood of Continuing to Use 7.9 8.7
Recommend to a Friend/Colleague 7.8 8.3

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

WHICH CREDIT CARD IS BEST FOR DINING?

The Capital One SavorOne Cash Rewards Credit Card is considered to be one of the best credit credit cards for dining by many credit card experts. That's because this cash rewards credit card offers 3% cash back on dining as well as entertainment purchases, so it's perfect for a night out on the town. It also earns 3% back on streaming services and grocery store purchases so it's perfect if you feel like staying in, as well.

Another solid option is the Chase Freedom Flex℠ thanks to numerous other categories in addition to dining which cardholders can also earn rewards. This cash rewards credit card features 3% cash back at restaurants, including takeout and delivery, as well as 5% cash back on up to $1,500 spent in categories that rotate quarterly (activation required), 5% on travel purchased through Chase, 3% at drugstores, and 1% back on everything else. Furthermore, there’s no annual fee and new cardholders can earn a $200 bonus after spending $500 in within the first three months of opening an account.

Finally, if you're willing to pay an annual fee (See Rates and Fees), the American Express® Gold Card is another great restaurant credit card choice. This card offers a whopping four points at restaurants (including takeout and delivery) as well as four points on Uber Eats purchases. It also offers $10 in statement credits monthly when you pay with your card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations (enrollment required), up to $120 back.

EARNING REWARDS ON TAKEOUT FROM RESTAURANTS

Enjoying a restaurant meal via takeout is more common today than ever, especially with so many options for takeout and delivery. You can "dine out" with many of your favorite restaurants from fast food to fine dining, without ever actually stepping foot into a restaurant dining room. But, can you earn restaurant rewards if you don't actually eat at the restaurant?

For the most part, when it comes to takeout, you’re ordering and paying the restaurant directly so you’ll usually earn the same rewards you would if you had made a reservation, gotten dressed up, drove to the restaurant and dined in. If you order from the restaurant and pick up your food to eat at home, you should earn the same rewards with a restaurant credit card you’d usually earn directly at the restaurant itself.

CAN YOU EARN RESTAURANT REWARDS FROM FOOD DELIVERY SERVICES?

Along with takeout, getting delivery from your favorite restaurant is increasingly popular, especially with services like UberEats and GrubHub gaining popularity. With delivery, you don’t even have to leave your house to enjoy your favorite meal. You can have nearly anything you feel like eating delivered to your house; however, earning rewards with credit cards for restaurants on those purchases could be a little trickier.

If you order directly from a restaurant and your meal is delivered by someone from that restaurant, you should still earn rewards in the same way you would if you actually dined there. It's when you use a third-party delivery service that could complicate things. Depending on your credit card, these delivery services might not always be coded as dining. UberEats might code as dining or restaurants with one issuer, allowing you to earn any bonus rewards you’d usually earn for dining out at restaurants (even though you had dinner delivered), while another issuer could code this as something else. In general, we've seen that the most popular food-delivery services are almost always coded as dining, but it's always best to check your card's fine print or contact the issuer if you have additional questions or concerns.

Occasionally, you'll even see certain credit cards for restaurants rewarding you with delivery service perks. For instance, the Chase Sapphire Reserve® offers cardholders unlimited food deliveries with a $0 delivery fee and reduced service fees on qualifying DoorDash orders.

HOW TO MAXIMIZE DINING REWARDS

If you're looking to truly maximize the amount of rewards you earn on your dining purchases, you may want to consider joining a dining rewards program. These programs allow you to earn extra miles or points in addition to what you already earn with your credit card, when dining at participating restaurants. Just sign up for the program of your choice, link your card(s), dine at a participating restaurant, and then after you pay, points/miles will be deposited into your account.

Some examples of these programs include:

Delta SkyMiles® Dining

New member bonus:New members earn bonus miles for making three purchases within 30 days of joining the program. An online review of each restaurant within 30 days of the visit is also required. Bonus miles are awarded as follows:

  • 500 bonus miles (1,000 miles for SkyMiles® Medallion members) for first purchase of $30 or more at a participating restaurant
  • 1,000 bonus miles for second purchase of $30 or more at a participating restaurant
  • 1,500 bonus miles for third purchase of $30 of more at a participating restaurant

Affiliated with Delta Air Lines, the SkyMiles® Dining program awards SkyMiles® to participants based on the following levels:

  • Basic: one mile per two dollars spent
  • Select: three miles per dollar spent
  • VIP: five miles per dollar spent

If you're a member of this dining rewards program you can earn as many as five points per dollar spent at participating restaurants. Now say you have the Delta SkyMiles® Gold American Express Card , for example, which earns two miles per dollar spent at restaurants, and you link your card to the program, you stand to earn as many seven miles per dollar spent at a participating restaurant.

Hilton Honors Dining

New member bonus: Earn 5,000 bonus points by spending $25 and completing an online review within the first 30 days. Members must remain opted into email communications to receive the bonus.

As a hotel dining program, Hilton Honors Dining awards Hilton Honors points that can be redeemed for overnight stays and other rewards. Dining purchases earn points based on the following membership levels:

  • Basic: two points per dollar spent
  • Select: five points per dollar spent
  • VIP: eight points per dollar spent

Since this program allows you to earn as many as eight points per dollar spent at eligible restaurants, if you have a credit card which earns rewards on dining, such as the Hilton Honors American Express Card , you stand to earn as many as 13 points on eligible dining purchases thanks to five points earned at U.S. restaurants with this card. That's an incredible value for a card that's not even specifically a credit card for dining!

To learn more about other programs and potential program/card strategies, check out our full guide to dining rewards programs.

And finally, here are some other ways foodies can maximize credit card rewards.


Survey Methodology: CardRatings commissioned Op4G in September and October 2020 to conduct surveys among 1,746 cardholders nationwide. CardRatings website analytics from Jan. 1, 2020-Aug. 31, 2020 were used to determine a selection of the most popular cards and additional cards were added to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted.

Ranking Methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.

To see the rates and fees for the American Express cards mentioned in this post, please visit the following links: See Rates and Fees (American Express® Gold Card); Hilton Honors American Express Card (See Rates and Fees); Delta SkyMiles® Gold American Express Card (See Rates and Fees)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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