BEST OF

Best Credit Cards for Restaurants of September 2021

NerdWalletSep 20, 2021

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Turn restaurant meals, including takeout and delivery, into serious rewards by paying with a credit card that offers extra cash back or points on spending at restaurants. According to federal consumer expenditure data, the average U.S. household spent $2,375 on "food away from home" in 2020, the most recent year available. When paying for those meals with a card that earned 3% on restaurant spending, the rewards would top $70 — enough for a few more free meals, depending on the dining establishment.

NerdWallet's Best Credit Cards for Restaurants of September 2021

Best Credit Cards for Restaurants From Our Partners

Our pick for

High rewards + no annual fee

U.S. Bank Altitude® Go Visa Signature® Card
Apply now

on US Bank's website

U.S. Bank Altitude® Go Visa Signature® Card

4.9

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0*

Rewards rate

1x-4x

Points

Intro offer

20,000

Points

Recommended Credit Score

Few if any cards on the market offer what the U.S. Bank Altitude® Go Visa Signature® Card provides: namely, huge ongoing rewards on dining with a $0* annual fee. Other cards that match or exceed its rate at restaurants cost anywhere from about $100 to nearly $500 a year to carry.

Pros

  • Earn quadruple points per $1 spent on dining purchases, which includes takeout and delivery; 2X points at grocery stores (including grocery delivery), gas stations and streaming services; and 1X points on other eligible purchases. There's also a bonus, an intro APR period and an annual credit on eligible streaming services.

Cons

  • It doesn't earn rewards on "entertainment" spending, so it's not as comprehensive as other products for a night on the town.

Read full review
  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more

  • Earn 4X points on takeout, food delivery and dining

  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services

  • $15 credit for annual streaming service purchases such as Netflix and Spotify

  • No annual fee*

  • 1X point per $1 on all other eligible purchases

  • Low Introductory APR on purchases and balance transfers

  • Points never expire

  • View Rates & Fees

Our picks for

3% dining rewards

Capital One® SavorOneSM Cash Rewards Credit Card
Apply now

on Capital One's website

Capital One SavorOne Cash Rewards Credit Card

5.0

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$0

Rewards rate

1%-8%

Cashback

Intro offer

$200

Recommended Credit Score

The Capital One SavorOne Cash Rewards Credit Card — the $0-annual-fee version of Capital One's popular dining card — pays unlimited 3% cash back on dining, grocery stores and entertainment, including streaming services, and 1% back on all other purchases.

Pros

  • Though it offers a lower rewards rate on dining and entertainment than its annual-fee-bearing big brother, this card is a better choice for people who eat out less often. The sign-up bonus is smaller, but still quite nice: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Cons

  • If you're a one-card kind of person rather than someone with a card for every occasion, you might get more value from a card that pays 1.5% or 2% cash back on every purchase.

Read full review
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023

  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn

  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that

  • No foreign transaction fee

  • No annual fee

Bank of America® Cash Rewards Credit Card
Apply now

on Bank of America's website, or call 877-754-6706

Bank of America® Customized Cash Rewards credit card

4.5

NerdWallet rating 
Apply now

on Bank of America's website, or call 877-754-6706

Annual fee

$0

Rewards rate

1%-3%

Cashback

Intro offer

$200

Recommended Credit Score

The Bank of America® Customized Cash Rewards credit card lets you choose which purchases earn the highest 3% cash-back rate. Restaurants are among the options.

Pros

  • The bonus offer is rich for a no-fee cash-back card. You'll earn 3% cash back in a category you choose and 2% at grocery stores and wholesale clubs, on up to $2,500 per quarter in combined spending in those categories. All other purchases earn 1% cash back. (The 3% options are dining, gas, travel, online shopping, drugstores or home improvement and furnishings; you can change your choice once a month.)

Cons

  • The rewards structure is somewhat complicated. Because the amount of spending eligible for the 3% and 2% rewards is capped, you might earn more rewards with a simple flat-rate card that pays an unlimited 1.5% or 2% on everything.

Read full review
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases

  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.

  • No annual fee and no expiration on rewards

  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.

  • Contactless Cards - The security of a chip card, with the convenience of a tap

  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Chase Freedom Unlimited Credit Card
Apply now

on Chase's website

Chase Freedom Unlimited®

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5%-5%

Cashback

Intro offer

$200

Recommended Credit Score

The Chase Freedom Unlimited® isn't the only card that pays 3% back at restaurants. But it's the only one that pays 3% at restaurants AND pays 1.5% on spending outside its bonus categories, rather than the standard 1%.

Pros

  • This card earns 5% cash back on travel booked through Chase; 3% cash back at restaurants and drugstores; and 1.5% on other purchases. New cardholders can snag this sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Cons

  • There just aren't a lot of drawbacks to this card. But if you prefer to cook at home as much as eat out, keep in mind that groceries earn only the base rate of 1.5% cash back.

Read full review
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Earn unlimited 1.5% cash back on all other purchases.

  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.

  • No annual fee.

  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.

  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified
Chase Freedom Flex
Apply now

on Chase's website

Chase Freedom Flex℠

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

The Chase Freedom Flex℠ offers a slew of bonus categories — some permanent, some that rotate — including 3% cash back at restaurants. If you don't mind putting in a little effort, it could be a rewards maximizer's dream.

Pros

  • In addition to 3% cash back at restaurants, this card earns 5% cash back on up to $1,500 in spending per quarter in categories that change every three months (online activation required); 5% cash back on travel booked through Chase; 3% at drugstores; and 1% on other purchases. New cardholders can earn this bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Cons

  • Activating the quarterly bonus categories can be a hassle. And while dining used to be a regular 5% category for Chase, it's been out of the quarterly lineup for a while (and might be out for good now that restaurants are a permanent 3% category). That might make a rotating category card a less appealing choice to some.

Read full review
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

  • No annual fee.

  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.

  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified

Our picks for

Travel rewards

American Express Premier Rewards Gold Credit Card
Apply now

on American Express's website

American Express® Gold Card

4.6

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$250

Rewards rate

1x-4x

Points

Intro offer

60,000

Points

Recommended Credit Score

The American Express® Gold Card comes with big rewards, including 4 Membership Rewards points per dollar spent at restaurants worldwide.

Pros

  • In addition to to dining rewards, you get 4 points per dollar spent at U.S. supermarkets (on up to $25,000 a year in spending; 3 points per dollar spent on flights booked directly with airlines and amextravel.com; and 1 point per dollar spent on all other purchases. Cardholders can also enroll to receive up to $10 in monthly statement credits when they use the card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed and participating Shake Shack locations.

Cons

  • The annual fee is $250. Frequent travelers can make up for the fee with the card's travel perks. If you don't travel much, this card isn't for you.

Read full review
  • Rose Gold is back. You can now choose between Gold or Rose Gold.

  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.

  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.

  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.

  • No Foreign Transaction Fees.

  • Annual Fee is $250.

  • Terms Apply.

  • View Rates & Fees
Chase Sapphire Preferred Credit Card
Apply now

on Chase's website

Chase Sapphire Preferred® Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

100,000

Points

Recommended Credit Score

The $95-annual-fee Chase Sapphire Preferred® Card delivers a lot of value for cards in that price range, such as triple rewards on dining (including eligible delivery services and takeout), as well as some valuable perks that recur annually.

Pros

  • Aside from earning 3 points per $1 spent on dining, the card also features bonus rewards on a host of other popular spending categories including travel, eligible online grocery purchases and select streaming services. Those points are worth 1.25 cents when you redeem them for travel through Chase, or you can transfer them to multiple hotel and airline travel partners at a 1:1 ratio. There's also a large sign-up bonus: Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

Cons

  • Keeping track of this card's various and sundry bonus rewards categories and perks can take some maintenance. And it lacks some of the premium travel perks of its more expensive sibling, the Chase Sapphire Reserve®.

Read full review
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.

  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories

  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified
Chase Chase Sapphire Reserve Credit Card
Apply now

on Chase's website

Chase Sapphire Reserve®

4.7

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$550

Rewards rate

1x-10x

Points

Intro offer

60,000

Points

Recommended Credit Score

The Chase Sapphire Reserve® made its name with a treasure trove of travel benefits, but restaurant connoisseurs will also appreciate its first-rate dining rewards. It offers an unlimited 3 points per dollar spent on dining and travel and 1 point per dollar on all other purchases. If you purchase through Chase Ultimate Rewards, you can earn even more: 10 points per dollar on Chase Dining, hotel stays and car rentals and 5 points on air travel.

Pros

  • Points can be redeemed for travel through Chase at a value of 1.5 cents each. The card also comes with a sizzling sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Cons

  • The annual fee is a whopping $550. However, the $300 annual travel credit and other benefits of this card can make up for the fee — but only if you travel regularly.

Read full review
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit

  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases

  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 60,000 points are worth $900 toward travel

  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories

  • 1:1 point transfer to leading airline and hotel loyalty programs

  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Our pick for

Small business

American Express Business Gold Rewards Card from American Express OPEN Credit Card
Apply now

on American Express's website

American Express® Business Gold Card

3.5

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$295

Rewards rate

1x-4x

Points

Intro offer

70,000

Points

Recommended Credit Score

For entrepreneurs with clients to wine and dine, the $295-annual-fee American Express® Business Gold Card could be a perfect fit.

Pros

  • This card has no preset spending limit and gives you 4X Membership Rewards points on the 2 select categories where your business spent the most each month, including restaurants, and 1 point per $1 on everything else. Terms apply.

Cons

  • The annual fee of $295 is steep when compared with alternatives. And if your spending doesn't align with the six areas that are eligible for bonus rewards, you're better off with a different option.

Read full review
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **

  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*

  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

  • PAY OVER TIME OPTION: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*

  • *Terms Apply

  • View Rates & Fees

FULL LIST OF EDITORIAL PICKS: BEST CREDIT CARDS FOR RESTAURANTS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.

Our pick for: High rewards rate + sign-up bonus 

If a night out is more than a once-in-a-while proposition for you, consider the Capital One® Savor® Cash Rewards Credit Card. You get a best-in-class cash-back rate on dining, entertainment and eligible streaming services, plus bonus rewards at grocery stores. The sign-up bonus is one of the best you can get on a cash-back card. Read our review.

Our pick for: High rewards rate + no annual fee

The U.S. Bank Altitude® Go Visa Signature® Card is perhaps the most cost-effective restaurant card on the market, earning a whopping 4 points per dollar on dining purchases including takeout and delivery. You can find higher rates on dining, but not on cards with no annual fee. Read our review. 

Our pick for: High rewards rate + no annual fee

The Citi Custom Cash℠ Card offers a lot of value for a $0 annual fee: 5% back automatically in your eligible top spending category on up to $500 spent per billing cycle (1% back elsewhere). The list of eligible 5% categories is varied and includes biggies like restaurants, grocery stores and more. And unlike competitors, there's no activation schedule or bonus calendar to keep track of. Read our review.

Our pick for: 3% dining rewards  

Love the night life but dead-set against paying an annual fee? Consider the Capital One SavorOne Cash Rewards Credit Card. It pays a lower cash-back rate on dining and entertainment than the regular Savor card, but the rewards are nevertheless quite good. The sign-up bonus is smaller than on the annual-fee version, too, but it's still solid. Read our review.

Our pick for: 3% dining rewards 

The Bank of America® Customized Cash Rewards credit card gives you a little more control over your credit card rewards by letting you choose which category earns the highest cash-back rate, from a list that includes gas stations, restaurants, travel and others. You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer. Read our review.

Our pick for: 3% dining rewards 

The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% introductory APR period and the opportunity to earn a sweet cash bonus. Read our review.

Our pick for: 3% dining rewards 

The Chase Freedom Flex℠ offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. There's a fantastic bonus offer for new cardholders and a 0% intro APR period, too. Read our review.

Our pick for: Customizable rewards 

If you don't mind putting some work into your rewards, check out the U.S. Bank Cash+™ Visa Signature® Card. It might be the most customizable cash back card available. You pick which categories earn the most cash back — you get two 5% categories and a 2% category — and you can change those options every quarter. There's a good bonus offer for new cardholders, too. Read our review.

Our pick for: Travel rewards 

The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants and on certain flights booked through amextravel.com. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid bonus offer for new cardholders. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. Read our review.

Our pick for: Travel rewards

For a reasonable annual fee, the Chase Sapphire Preferred® Card earns 5 points per $1 spent on all travel purchased through Chase Ultimate Rewards®; 3 points per $1 spent on dining (including eligible delivery services and takeout), select streaming services, and online grocery purchases (not including Target, Walmart and wholesale clubs); 2 points per $1 spent on travel not purchased through Chase Ultimate Rewards®; and 1 point per $1 spent on other purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review. 

Our pick for: Travel rewards 

The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders earn 10 points per dollar spent on Chase Dining purchases, as well as hotel stays and car rentals purchased through Ultimate Rewards®; 5 points per dollar for air travel purchased through Ultimate Rewards®; 3 points per dollar spent on travel and dining not booked with Chase; and 1 point per dollar spent on all other purchases. Plus, cardmembers get a fat sign-up bonus, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review. 

OTHER OPTIONS

 Costco Anywhere Visa® Card by Citi

If you like your shopping carts like your dining rewards — extra large — the Costco Anywhere Visa® Card by Citi is your card. It offers bonus rewards in several categories, including:

  • 4% cash back on gas (up to $7,000 per year, then 1% after that).

  • 3% back on restaurants and eligible travel purchases.

  • 2% back at Costco stores and Costco.com.

  • 1% back on all other purchases.

It doesn’t have a sign-up bonus. Its annual fee is $0, but it requires a Costco membership, which starts at $60 per year.

Sam's Club® Mastercard®

After using this card to fill up on gas at the pump, you'll want to tap it to fill up on daily specials at your favorite restaurant. The Sam's Club® Mastercard® gets you:

  • 5% cash back on gas bought at Sam's Club, Walmart and other gas stations (on up to $6,000 per year).

  • 3% back on dining.

  • 1% back on all other purchases.

  • Extra rewards for Sam's Club purchases if you have a "Plus" membership.

The annual fee is $0. It requires a Sam's Club membership, which costs at least $45 a year.

PayPal Extras Mastercard®

The PayPal Extras Mastercard® is designed for people with average credit, but its dining rewards are better than average. You’ll get an unlimited 3 points per dollar spent at restaurants and gas stations, 2 points per dollar spent at eBay and PayPal, and 1 point per dollar spent on all other purchases. Points are worth 0.83 cents each when redeemed for cash back, and they expire after 24 months. The card doesn't have a sign-up bonus. The annual fee is $0.

AARP® Credit Card from Chase

You don't have to be a card-carrying member of AARP to qualify for this dining card. It gets you an unlimited 3% cash back at restaurants and gas stations and 1% back on all other purchases. Its annual fee is $0, and it comes with a generous sign-up bonus: $100 bonus cash back after you spend $500 on purchases in the first 3 months from account opening.

Information related to the AARP® Credit Card from Chase has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

To view rates and fees of the American Express® Gold Card, see this page. To view rates and fees of the American Express® Business Gold Card, see this page.

Last updated on September 20, 2021

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.