Credit cards for dining
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Credit cards for dining: 5 current offers are compared; some have variable, conditional or unconfirmed bonuses the estimates leave out, so the order is a starting point rather than a like-for-like ranking. Among credit cards for dining with a confirmed value, Chase Freedom Flex has the highest estimated first-year value after fees at $250, using cash redemption. The lowest annual fee among credit cards for dining is $0. Opening any of the 5 personal cards compared for credit cards for dining adds an account to Chase's reported 5/24 count for 24 months, even if the account later closes.
Compare the restaurants you use, takeout and delivery exclusions, and whether points can be redeemed the way you prefer.
Check my eligibility first →We compare conditional value after fees; compensation never changes rankings.
How we rankDining: 5 available offers, ordered by conditional cash value after fees.
Offers for Dining to compare
1. Chase Freedom Flex
Welcome offer: $250 bonus cash back (25,000 points redeemable for $250). Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $250.
Last checked: .
2. Capital One Savor Cash Rewards
Welcome offer: $200 cash bonus. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
Last checked: .
3. U.S. Bank Altitude Go Visa Signature
Welcome offer: 20,000 points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
Last checked: .
4. Wells Fargo Autograph Visa
Welcome offer: 20,000 points. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
Last checked: .
5. American Express Gold Card
Welcome offer: as high as 100,000 Membership Rewards points. Annual fee: $325. Terms apply.
First-year value after fees (cash redemption), estimated: -$103.
Bonus up to $600 with conditions. This ceiling is excluded from the estimate.
Last checked: .
Compare requirements and conditional value
Dining estimates use cash redemption, expected credit use and first-year fees; ongoing spending rewards are excluded. Terms apply.
| Card | Annual fee | Required spend | First-year value, estimated (cash) | Timing or bonus condition | Recorded details | Last checked |
|---|---|---|---|---|---|---|
| Chase Freedom Flex | $0 | $500 in 3 months | $250 | Chase's terms say the Chase Freedom Flex welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Capital One Savor Cash Rewards | $0 | $500 in 3 months | $200 | Capital One's terms say the Capital One Savor Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.Issuer terms | Network: Mastercard.First-year fee: $0; renewal: $0. | 2026-10-06 |
| U.S. Bank Altitude Go Visa Signature | $0 | $1,000 in 3 months | $200 | US Bank's terms say the U.S. Bank Altitude Go Visa Signature welcome offer is unavailable if you received its welcome bonus within the past 60 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| Wells Fargo Autograph Visa | $0 | $1,000 in 3 months | $200 | Wells Fargo's terms say the Wells Fargo Autograph Visa welcome offer may be unavailable if you opened the card within the past 48 months.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0. | 2026-10-06 |
| American Express Gold Card | $325 | $8,000 in 6 months | -$103 | American Express Gold Card: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.Issuer terms | Network: Amex.First-year fee: $325; renewal: $325.Personalized bonus up to $600 with conditions; excluded from the base estimate. | 2026-10-06 |
Timing rules for the cards on this list
Application windows and account limits
Chase Freedom Flex: Chase usually declines most applications at 5/24 or higher, based on applicant reports. Approval is never guaranteed. Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Chase Freedom Flex: Applicants report Chase pacing of roughly two cards in 30 days, usually one business card. Additional applications may be declined. Many applicants space Chase applications about 90 days apart to reduce review risk; this is community guidance.
Capital One Savor Cash Rewards: Some Capital One consumer offers may be unavailable after a recent approval or two applications within 30 days. Check the exact offer.
Capital One Savor Cash Rewards: Applicants have reported approvals less than six months apart. Leaving more time may help, but Capital One does not publish a universal six-month ban.
U.S. Bank Altitude Go Visa Signature: applicants report that 5 new accounts in 12 months may make approval harder. Recent accounts may affect approval; the threshold and business scope vary.
Wells Fargo Autograph Visa: You may not qualify for another Wells Fargo consumer card if you opened one within the last four months.
Wells Fargo Autograph Visa: Wells Fargo may consider recently opened accounts across banks. Reports conflict on a fixed 24-month cutoff.
American Express Gold Card: The usual Amex limit on new credit-card approvals generally does not apply to this card. Other approval checks still apply. Amex generally limits charge-card holdings; ten total is commonly reported, with exceptions and lower personal-card limits reported by some applicants.
Welcome offers and prior-card history
Chase's terms say the Chase Freedom Flex welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Capital One's terms say the Capital One Savor Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.
US Bank's terms say the U.S. Bank Altitude Go Visa Signature welcome offer is unavailable if you received its welcome bonus within the past 60 months.
Wells Fargo's terms say the Wells Fargo Autograph Visa welcome offer may be unavailable if you opened the card within the past 48 months.
American Express Gold Card: Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
Effect on Chase 5/24
Chase Freedom Flex is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Capital One Savor Cash Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
U.S. Bank Altitude Go Visa Signature is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Wells Fargo Autograph Visa is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
American Express Gold Card is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
Applicants report Chase usually declines people who opened 5 or more new card accounts in the past 24 months, so if keeping Chase access matters, apply for Chase Freedom Flex before Capital One Savor Cash Rewards and U.S. Bank Altitude Go Visa Signature and Wells Fargo Autograph Visa and American Express Gold Card; approval remains the issuer's decision.
Questions about Dining
What could delay a card application for Dining?
Chase, Capital One, US Bank, Wells Fargo, American Express applications and recent account openings can affect timing for Dining. Compare the issuer-specific windows with your dates; a waiting period does not establish approval.
Do credit cards for Dining have an application order?
Check Chase Freedom Flex while you still have room under Chase's reported 5/24 limit. Opening another personal card first can use that room.
Which welcome offers for Dining depend on earlier card or bonus history?
Credit cards for Dining have product-specific welcome-offer checks for previous cards or bonuses. Passing an application timing check does not establish welcome-offer eligibility.