Top 10 · updated October 29, 2026

Best no annual fee dining and grocery credit cards

$0 annual fee cards ranked on spending with restaurants and groceries both counted double.

1
Capital One
Savor Rewards for Good Credit
3% cash back at grocery stores, on dining, entertainment and popular streaming services · 1% cash back on all other purchases
Worth about $852 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$528/ yearAnnual fee $0
2
Wells Fargo
Active Cash Credit Card
2% cash rewards on purchases with no categories to track or quarterly activations
Worth about $840 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$624/ yearAnnual fee $0
3
Citi
Citi Double Cash Credit Card
2% cash back on purchases: 1% when you buy · 1% as you pay, with no category enrollment, caps, or annual fee
Worth about $840 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$624/ yearAnnual fee $0
4
U.S. Bank
U.S. Bank Smartly Visa Signature Card
2% cash back on every purchase with no caps, and up to an additional 2% cash back when paired with qualifying U.S. Bank accounts
Worth about $840 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$624/ yearAnnual fee $0
5
U.S. Bank
U.S. Bank Altitude Go Secured Visa Card
4X points on dining, takeout, and restaurant delivery · 2X points at gas stations and grocery stores
Worth about $809 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$545/ yearAnnual fee $0
6
Citi
Citi Strata Card
5x points on Hotels, Car Rentals, and Attractions booked through cititravel.com · 3x points at Supermarkets, Gas & EV Charging Stations, and on an eligible Self-Select Category
Worth about $804 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$528/ yearAnnual fee $0
7
Chase
Chase Freedom Unlimited
1.5% cash back · 3% on dining and drugstore purchases
Worth about $774 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$540/ yearAnnual fee $0
8
Chase
DoorDash Rewards Mastercard
4% cash back on DoorDash and Caviar orders · 3% cash back on dining
Worth about $766 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$502/ yearAnnual fee $0
9
Wells Fargo
Wells Fargo Autograph Card
3X points on restaurants, travel, gas, transit, popular streaming services, and phone plans · 1X points on other purchases
Worth about $732 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$528/ yearAnnual fee $0
10
Barclays
JetBlue Card
3X points on eligible JetBlue purchases · 2X points at restaurants and eligible grocery stores
Worth about $700 every year on spending weighted to your picks — rewards and credits minus the $0 fee.
$462/ yearAnnual fee $0

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

Questions people ask

What is the best no annual fee dining and grocery credit card?

As of October 29, 2026, the Capital One Savor Rewards for Good Credit ranks first worth about $528 a year after its $0 annual fee on typical spending. The Wells Fargo Active Cash Credit Card and Citi Double Cash Credit Card come second and third.

How are these no annual fee dining and grocery cards ranked?

$0 annual fee cards ranked on spending with restaurants and groceries both counted double. Each card's value is its rewards plus the credits a typical cardholder uses, minus its annual fee; points are converted at conservative cash values. No issuer pays for placement.

Is a card with an annual fee ever worth it?

Only if its extra rewards and credits beat the fee on your own spending. In this list the fee is already subtracted, so a $0-fee card and a $95 card are compared on what they actually leave you with.

Ranked for an average spender.

Tell us what you actually spend, and which cards you already have, and we'll rank them for you instead.

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Maintained by Aashish Shah. Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.