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Updated September 2026

3 Best Travel & Dining Cards Compared

Side-by-side comparison from Chase, Amex, and Capital One. Pick your match in 60 seconds.

✓ No annual fee on pick #1 ✓ Editorially independent ✓ No SSN required
Best Overall Value
Chase Sapphire Preferred®
Chase · Very Good credit (720+)
Welcome Bonus
100,000 points = $1,250 travel
Annual Fee
$95
Key Rate
5x travel via Chase
Dining
3x points
Spend Req.
$4,000 / 3 mo
Apply at Chase →

90-day cookie · See card terms for APR and fees

Best for Foodies
American Express® Gold Card
Amex · Good credit (700+)
Welcome Bonus
75,000 Membership Rewards pts
Annual Fee
$325
Key Rate
4x dining & groceries
Credits
$240 dining + Uber
Spend Req.
$6,000 / 6 mo
Apply at Amex →

90-day cookie · Credits auto-applied monthly

Best Premium Travel
Capital One Venture X
Capital One · Good credit (700+)
Welcome Bonus
75,000 miles = $750 travel
Annual Fee
$395
Key Rate
2x miles on all
Credits
$300 travel credit
Spend Req.
$4,000 / 3 mo
Apply at Capital One →

30-day cookie · Net fee $95 after travel credit

Advertiser Disclosure: CardCompass is an independent comparison site. We earn a commission when you apply for a credit card through our links — this does not affect your card terms, APR, or approval decision. Rankings are based on card value (rewards rate, fees, benefits, and approval odds), not commission size. All card information is independently verified against issuer terms as of September 2026. Terms can change; always review the full Terms & Conditions on the issuer's website before applying. CardCompass is not a bank or lender and does not provide financial advice. See full Advertiser Disclosure.