Best Cards for Restaurants

Maximizing your rewards starts with choosing the right card for your specific spending patterns.

AXETIP RANK

Restaurants Rewards Ranking

Benchmark Savings: 3.26% APY • Based on $1k monthly, $12k annual spend.

Savings Rate (APY) ?

Custom APY %

Monthly

Annual

Rank ? AxeTip Rank is strictly determined by the highest total Cash Value. Cards with identical cash payouts share the same rank.	Card	Interest ? Interest-free runway (Billing Cycle + Grace Period) and annual interest earned by keeping cash in your bank during that time.	Rewards ? Total rewards earned annually (Annual spend × reward rate).	Cash Value ? Actual cash liquidation value (Statement credit or deposit).	Reward Value ? Potential value if used via strategic partner redemptions (e.g., hotel transfers, airline miles).
1	Citi Prestige Card Citibank • 5x Restaurants	54 Days +$57.88	60,000 Thankyou Points	+$600.00 Thankyou Points	+$1080.00 Thankyou Points
2	Robinhood Gold Card Robinhood • 3x Base Rate	56 Days +$60.02	36,000 Cash	+$360.00 Cash	+$360.00 Cash
3	Gold Rewards Card American Express • 4x Restaurants	56 Days +$60.02	48,000 Amex Points	+$288.00 Amex Points	+$960.00 Amex Points
4	Amex Graphite® Business Cash Unlimited Card American Express • 2x Base Rate	52 Days +$55.73	24,000 Cash	+$240.00 Cash	+$240.00 Cash
4	Ink Business Premier® Credit Card Chase • 2x Base Rate	52 Days +$55.73	24,000 Cash	+$240.00 Cash	+$240.00 Cash
5	Amex Green Card American Express • 3x Restaurants	52 Days +$55.73	36,000 Amex Points	+$216.00 Amex Points	+$720.00 Amex Points
6	Chase Freedom Unlimited® Chase • 1.5x Base Rate	52 Days +$55.73	18,000 Chase Points	+$180.00 Chase Points	+$378.00 Chase Points
6	Chase Ink Business Unlimited® Chase • 1.5x Base Rate	52 Days +$55.73	18,000 Chase Points	+$180.00 Chase Points	+$378.00 Chase Points
6	Amex Cash Magnet American Express • 1.5x Base Rate	52 Days +$55.73	18,000 Cash	+$180.00 Cash	+$180.00 Cash
7	Ink Business Cash® Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 Chase Points	+$120.00 Chase Points	+$252.00 Chase Points
7	Ink Business Preferred® Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 Chase Points	+$120.00 Chase Points	+$252.00 Chase Points
7	Chase Freedom Flex℠ Chase • 1x Base Rate	52 Days +$55.73	12,000 Chase Points	+$120.00 Chase Points	+$252.00 Chase Points
7	Chase Sapphire Preferred Chase • 1x Base Rate	52 Days +$55.73	12,000 Chase Points	+$120.00 Chase Points	+$252.00 Chase Points
7	Chase Sapphire Reserve® Chase • 1x Base Rate	52 Days +$55.73	12,000 Chase Points	+$120.00 Chase Points	+$252.00 Chase Points
7	Amex Blue Cash Everyday American Express • 1x Base Rate	52 Days +$55.73	12,000 Cash	+$120.00 Cash	+$120.00 Cash
7	Amex Blue Cash Preferred American Express • 1x Base Rate	52 Days +$55.73	12,000 Cash	+$120.00 Cash	+$120.00 Cash
7	Amex Blue Business Cash Card American Express • 1x Base Rate	52 Days +$55.73	12,000 Cash	+$120.00 Cash	+$120.00 Cash
7	Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley American Express • 1x Base Rate	52 Days +$55.73	12,000 Cash	+$120.00 Cash	+$120.00 Cash
7	Amazon Prime Visa Chase • 1x Base Rate	56 Days +$60.02	12,000 Cash	+$120.00 Cash	+$120.00 Cash
7	Amazon Visa Chase • 1x Base Rate	56 Days +$60.02	12,000 Cash	+$120.00 Cash	+$120.00 Cash
7	Disney® Inspire Visa® Card Chase • 1x Base Rate	56 Days +$60.02	12,000 Disney Rewards Dollars	+$120.00 Disney Rewards Dollars	+$120.00 Disney Rewards Dollars
7	Disney® Premier Visa® Card Chase • 1x Base Rate	56 Days +$60.02	12,000 Disney Rewards Dollars	+$120.00 Disney Rewards Dollars	+$120.00 Disney Rewards Dollars
7	Disney® Visa® Card Chase • 1x Base Rate	56 Days +$60.02	12,000 Disney Rewards Dollars	+$120.00 Disney Rewards Dollars	+$120.00 Disney Rewards Dollars
7	DoorDash Rewards Mastercard® Chase • 1x Base Rate	52 Days +$55.73	12,000 Cash	+$120.00 Cash	+$120.00 Cash
7	Instacart Mastercard® Chase • 1x Base Rate	52 Days +$55.73	12,000 Cash	+$120.00 Cash	+$120.00 Cash
8	The Blue Business Plus Credit Card from American Express American Express • 1x Base Rate	52 Days +$55.73	12,000 Amex Points	+$72.00 Amex Points	+$240.00 Amex Points
8	Amex Business Gold Card American Express • 1x Base Rate	52 Days +$55.73	12,000 Amex Points	+$72.00 Amex Points	+$240.00 Amex Points
8	Business Green Rewards Card from American Express American Express • 1x Base Rate	52 Days +$55.73	12,000 Amex Points	+$72.00 Amex Points	+$240.00 Amex Points
8	Amex Business Platinum Card® American Express • 1x Base Rate	52 Days +$55.73	12,000 Amex Points	+$72.00 Amex Points	+$240.00 Amex Points
8	Centurion Card from American Express American Express • 1x Base Rate	52 Days +$55.73	12,000 Amex Points	+$72.00 Amex Points	+$240.00 Amex Points
8	Amex EveryDay American Express • 1x Base Rate	52 Days +$55.73	12,000 Amex Points	+$72.00 Amex Points	+$240.00 Amex Points
8	Amex Platinum Card American Express • 1x Base Rate	52 Days +$55.73	12,000 Amex Points	+$72.00 Amex Points	+$240.00 Amex Points
9	Hilton Honors American Express Aspire Card American Express • 7x Restaurants	52 Days +$55.73	84,000 Hilton Points	$0.00 Hilton Points	+$420.00 Hilton Points
9	Marriott Bonvoy Bevy American Express Card American Express • 4x Restaurants	52 Days +$55.73	48,000 Marriott Points	$0.00 Marriott Points	+$384.00 Marriott Points
9	Hilton Honors American Express Surpass Card American Express • 6x Restaurants	52 Days +$55.73	72,000 Hilton Points	$0.00 Hilton Points	+$360.00 Hilton Points
9	Amex Hilton Honors American Express • 5x Restaurants	52 Days +$55.73	60,000 Hilton Points	$0.00 Hilton Points	+$300.00 Hilton Points
9	Marriott Bonvoy American Express Card American Express • 3x Restaurants	52 Days +$55.73	36,000 Marriott Points	$0.00 Marriott Points	+$288.00 Marriott Points
9	Marriott Bonvoy Brilliant American Express Card American Express • 3x Restaurants	52 Days +$55.73	36,000 Marriott Points	$0.00 Marriott Points	+$288.00 Marriott Points
9	Amex Delta SkyMiles Blue American Express • 2x Restaurants	52 Days +$55.73	24,000 Delta Miles	$0.00 Delta Miles	+$288.00 Delta Miles
9	Amex Delta SkyMiles Gold American Express • 2x Restaurants	52 Days +$55.73	24,000 Delta Miles	$0.00 Delta Miles	+$288.00 Delta Miles
9	Amex Delta SkyMiles Platinum American Express • 2x Restaurants	52 Days +$55.73	24,000 Delta Miles	$0.00 Delta Miles	+$288.00 Delta Miles
9	World of Hyatt Business Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 Hyatt Points	$0.00 Hyatt Points	+$276.00 Hyatt Points
9	World of Hyatt Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 Hyatt Points	$0.00 Hyatt Points	+$276.00 Hyatt Points
9	IHG One Rewards Premier Business Credit Card Chase • 3x Base Rate	52 Days +$55.73	36,000 Ihg Points	$0.00 Ihg Points	+$216.00 Ihg Points
9	IHG One Rewards Premier Credit Card Chase • 3x Base Rate	52 Days +$55.73	36,000 Ihg Points	$0.00 Ihg Points	+$216.00 Ihg Points
9	Amex Marriott Bonvoy Business Card American Express • 2x Base Rate	52 Days +$55.73	24,000 Marriott Points	$0.00 Marriott Points	+$192.00 Marriott Points
9	Marriott Bonvoy Bold® Credit Card Chase • 2x Base Rate	52 Days +$55.73	24,000 Marriott Points	$0.00 Marriott Points	+$192.00 Marriott Points
9	Marriott Bonvoy Boundless® Credit Card Chase • 2x Base Rate	52 Days +$55.73	24,000 Marriott Points	$0.00 Marriott Points	+$192.00 Marriott Points
9	Marriott Bonvoy Bountiful™ Credit Card Chase • 2x Base Rate	52 Days +$55.73	24,000 Marriott Points	$0.00 Marriott Points	+$192.00 Marriott Points
9	Amex Hilton Honors Business Card American Express • 3x Base Rate	52 Days +$55.73	36,000 Hilton Points	$0.00 Hilton Points	+$180.00 Hilton Points
9	Chase Aeroplan® Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 Aeroplan Points	$0.00 Aeroplan Points	+$180.00 Aeroplan Points
9	Southwest® Rapid Rewards® Performance Business Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 Southwest Points	$0.00 Southwest Points	+$168.00 Southwest Points
9	Southwest® Rapid Rewards® Premier Business Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 Southwest Points	$0.00 Southwest Points	+$168.00 Southwest Points
9	Southwest Rapid Rewards® Plus Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 Southwest Points	$0.00 Southwest Points	+$168.00 Southwest Points
9	Southwest Rapid Rewards® Premier Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 Southwest Points	$0.00 Southwest Points	+$168.00 Southwest Points
9	Southwest Rapid Rewards® Priority Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 Southwest Points	$0.00 Southwest Points	+$168.00 Southwest Points
9	United℠ Business Card Chase • 1x Base Rate	52 Days +$55.73	12,000 United Miles	$0.00 United Miles	+$156.00 United Miles
9	United Club℠ Business Card Chase • 1x Base Rate	52 Days +$55.73	12,000 United Miles	$0.00 United Miles	+$156.00 United Miles
9	United Club℠ Infinite Card Chase • 1x Base Rate	52 Days +$55.73	12,000 United Miles	$0.00 United Miles	+$156.00 United Miles
9	United℠ Explorer Card Chase • 1x Base Rate	52 Days +$55.73	12,000 United Miles	$0.00 United Miles	+$156.00 United Miles
9	United Gateway℠ Credit Card Chase • 1x Base Rate	52 Days +$55.73	12,000 United Miles	$0.00 United Miles	+$156.00 United Miles
9	United Quest℠ Card Chase • 1x Base Rate	52 Days +$55.73	12,000 United Miles	$0.00 United Miles	+$156.00 United Miles
9	Amex Delta SkyMiles® Gold Business Card American Express • 1x Base Rate	52 Days +$55.73	12,000 Delta Miles	$0.00 Delta Miles	+$144.00 Delta Miles
9	Amex Delta SkyMiles® Platinum Business Card American Express • 1x Base Rate	52 Days +$55.73	12,000 Delta Miles	$0.00 Delta Miles	+$144.00 Delta Miles
9	Amex Delta SkyMiles® Reserve Business Card American Express • 1x Base Rate	52 Days +$55.73	12,000 Delta Miles	$0.00 Delta Miles	+$144.00 Delta Miles
9	Delta SkyMiles Reserve American Express Card American Express • 1x Base Rate	52 Days +$55.73	12,000 Delta Miles	$0.00 Delta Miles	+$144.00 Delta Miles
9	IHG One Rewards Traveler Credit Card Chase • 2x Base Rate	52 Days +$55.73	24,000 Ihg Points	$0.00 Ihg Points	+$144.00 Ihg Points