Benefit guide
Dining credits on credit cards
Dining credits give you statement credit for food purchases — restaurants, meal delivery, sometimes groceries. They are the most common credit to leave half-used, because monthly ones reset whether you ordered in or not.
Cards with dining credits offer up to $325/yr each, totaling $2,415/yr across 14 credits in our catalog.
Every card with dining credits, ranked
| Card · credit | Yearly value | Resets | Enrollment |
|---|---|---|---|
| U.S. Bank Altitude Reserve Travel & dining statement credit | $325/yr | Yearly (cardmember year) | No |
| Marriott Bonvoy Brilliant American Express Card Dining credit | $300/yr | Monthly | No |
| Chase Sapphire Reserve DoorDash promos with DashPass | $300/yr | Monthly | Yes |
| Chase Sapphire Reserve Dining credit at Sapphire Reserve Exclusive Tables | $300/yr | Every 6 months | No |
| IHG One Rewards Premier Select Credit Card $75 quarterly food & beverage rewards | $300/yr | Quarterly | No |
| Mastercard Gold Card Annual dining credit | $200/yr | Yearly (calendar year) | No |
| Amex Gold Card Dining credit | $120/yr | Monthly | Yes |
| Wyndham Rewards Earner Premier Card Meal delivery credit | $120/yr | Monthly | No |
| Chase Sapphire Preferred DoorDash non-restaurant promo | $120/yr | Monthly | Yes |
| Mastercard Black Card Annual dining credit | $100/yr | Yearly (calendar year) | No |
| IHG One Rewards Premier Credit Card $25 quarterly food & beverage rewards | $100/yr | Quarterly | No |
| Wyndham Rewards Earner Plus Card Meal delivery credit | $50/yr | Every 6 months | No |
| Chase Freedom Flex DoorDash non-restaurant promo | $40/yr | Quarterly | Yes |
| Chase Freedom Unlimited DoorDash non-restaurant promo | $40/yr | Quarterly | Yes |
Expiry cadence patterns
1 yearly (cardmember year) · 5 monthly · 2 every 6 months · 4 quarterly · 2 yearly (calendar year).
How PerkWatch tracks this
PerkWatch watches each of these credits on your cards and emails you before anything expires unused — monthly credits get a monthly nudge, annual ones get a warning well before the reset. Your first card is free, always.
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