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Top 10 · updated October 29, 2026

Best dining and travel credit cards

Ranked on spending with restaurants and travel both counted double, after fees and the credits you would realistically use.

  1. 1

    Wells Fargo

    Wells Fargo Autograph Journey Visa Credit Card

    5X points on hotels · 4X points on airlines

    Worth about $799 every year on spending weighted to your picks — rewards and credits minus the $95 fee.

    $475/ yearAnnual fee $95
  2. 2

    Wells Fargo

    Active Cash Credit Card

    2% cash rewards on purchases with no categories to track or quarterly activations

    Worth about $792 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

    $624/ yearAnnual fee $0
  3. 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 $792 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

    $624/ yearAnnual fee $0
  4. 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 $792 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

    $624/ yearAnnual fee $0
  5. 5

    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 $780 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

    $528/ yearAnnual fee $0
  6. 6

    Chase

    Chase Sapphire Preferred Credit Card

    5x points on Chase Travel · 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery

    Worth about $741 every year on spending weighted to your picks — rewards and credits minus the $95 fee.

    $561/ yearAnnual fee $95
  7. 7

    Chase

    Chase Freedom Unlimited

    1.5% cash back · 3% on dining and drugstore purchases

    Worth about $738 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

    $540/ yearAnnual fee $0
  8. 8

    Barclays

    Wyndham Rewards Earner Plus Card

    6 points per $1 spent on eligible purchases made at Hotels by Wyndham · 4 points per $1 spent on dining, grocery store purchases, and travel

    Worth about $734 every year on spending weighted to your picks — rewards and credits minus the $95 fee.

    $552/ yearAnnual fee $95
  9. 9

    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 $725 every year on spending weighted to your picks — rewards and credits minus the $0 fee.

    $545/ yearAnnual fee $0
  10. 10

    Bank of America

    Air France KLM Visa Credit Card

    3 Miles per $1 on eligible Air France, KLM Royal Dutch Airlines and SkyTeam member airline purchases · 3 Miles per $1 on eligible dining purchases

    Worth about $723 every year on spending weighted to your picks — rewards and credits minus the $89 fee.

    $505/ yearAnnual fee $89

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 dining and travel credit card?

As of October 29, 2026, the Wells Fargo Autograph Journey Visa Credit Card ranks first worth about $475 a year after its $95 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 dining and travel cards ranked?

Ranked on spending with restaurants and travel both counted double, after fees and the credits you would realistically use. 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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More rankings

Maintained by . 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.