4x dining with no annual fee is the market's best — a high-value pick for people who eat out a lot.

✓ Annual fee, APR and foreign-transaction fee verified against the issuer on 2026-07-16. Welcome offers change often — always confirm the current offer on the issuer's site.

Reward highlights

• 4x dining
• 2x grocery, gas & streaming
• No annual fee, no FTF

Who it's for

Best for frequent diners who don't want an annual fee.

Good for

Key benefits

• 4x points on dining, one of the best rates with no fee
• 2x on grocery, gas and streaming
• $15 annual streaming credit
• No annual fee and no foreign transaction fees

Rates & fees

APR and fees are illustrative — confirm current terms on the issuer's site.

Frequently asked questions

⚠️ Disclaimer: This site is a product concept. All card data, bonuses and figures are illustrative, may be out of date, and are not financial advice. Always verify with the issuer before applying.

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