Why we choose it

It's a great deal, with 4 points per dollar on dining out and 1 point per dollar on grocery shopping in the United States (on the first $25,000 in expenditures per calendar year; subsequently 1 point per dollar). There's also a $120 annual eating credit at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations, as well as Uber Cash worth up to $120 ($10 per month.) This all makes it an excellent challenger for any food purchases, which has exploded as a significant area of spending. Certain advantages need to be enrolled.