25 credits · 19 cards · $6,294 a year at face value
Dining and delivery credits: every card that has one.
Resy, DoorDash, Grubhub and restaurant credits pay on charges you may already make, which is why they score well in audits. The traps are cadence and channel: monthly promos that need separate orders each month, DashPass enrollment, and Resy credits that require a Resy-listed restaurant.
Every card with one, sorted by face value.
| Card | Credit | Per year | Paid out as | Flags |
|---|---|---|---|---|
| American Express Centurion Card$5,000 annual fee | Resy Dining Credit Up to $250/quarter at 10,000+ US Resy-listed restaurants, select Resy event tickets, and Centurion New York dining: paying with the card at a qualifying restaurant suffices; a Resy booking is not required. Replaced the Saks credit effective 2026-07-01 after the Saks bankruptcy. Unused quarters are forfeited. |
$1,000 | $250 a quarter; unused amounts are lost | — |
| American Express Platinum Card$895 annual fee | Resy Dining Credit Dine-in charges at 10,000+ US restaurants on the Resy platform; the charge must come from a Resy-listed restaurant, but booking through Resy is not strictly required. |
$400 | $100 a quarter; unused amounts are lost | — |
| American Express Platinum Card for Schwab$895 annual fee | Resy Dining Credit Schwab Platinum: the same term as the Platinum Card per Amex’s Schwab terms page. Dine-in charges at 10,000+ US restaurants on the Resy platform; the charge must come from a Resy-listed restaurant, but booking through Resy is not strictly required. |
$400 | $100 a quarter; unused amounts are lost | unverified |
| American Express Platinum Card for Morgan Stanley$895 annual fee | Resy Dining Credit Morgan Stanley Platinum: the same term as the Platinum Card per Amex’s Morgan Stanley terms page. |
$400 | $100 a quarter; unused amounts are lost | unverified |
| Chase Sapphire Reserve$795 annual fee | Exclusive Tables Dining Credit Automatic when dining at a program restaurant (bookable via OpenTable). Restaurant list expanded ~100 venues in 2026. The $150/$150 split-year structure was NOT removed in the Jan 2026 update, unlike the Edit credit. |
$300 | $150 twice a year; unused amounts are lost | — |
| Chase Sapphire Reserve$795 annual fee | DoorDash Monthly Promos Requires active complimentary DashPass enrollment. $5 restaurant promo plus two $10 non-restaurant (grocery/retail) promos per month, each on a separate order: in-app checkout promos, not statement credits. Realizing the full $300 requires three distinct DoorDash orders every month. |
$300 | $25 a month in 3 uses of $8.33; unused amounts are lost | use it monthly ends 2027-12-31 |
| American Express Marriott Bonvoy Brilliant$650 annual fee | Brilliant Dining Credit Restaurants worldwide by merchant category: no specific merchant list. Excludes groceries, convenience stores, and gift cards; hotel restaurants may miscode as travel and miss the credit. Enrollment required; unused monthly credit is forfeited. |
$300 | $25 a month; unused amounts are lost | use it monthly |
| Chase J.P. Morgan Reserve$795 annual fee | Exclusive Tables Dining Credit Automatic when dining at a program restaurant (bookable via OpenTable). Restaurant list expanded ~100 venues in 2026. The $150/$150 split-year structure was NOT removed in the Jan 2026 update, unlike the Edit credit. |
$300 | $150 twice a year; unused amounts are lost | unverified |
| Chase J.P. Morgan Reserve$795 annual fee | DoorDash Monthly Promos Requires active complimentary DashPass enrollment. $5 restaurant promo plus two $10 non-restaurant (grocery/retail) promos per month, each on a separate order: in-app checkout promos, not statement credits. Realizing the full $300 requires three distinct DoorDash orders every month. |
$300 | $25 a month in 3 uses of $8.33; unused amounts are lost | use it monthly ends 2027-12-31 unverified |
| Chase Sapphire Reserve for Business$795 annual fee | DoorDash Monthly Promos Requires DashPass activation by 2027-12-31: "$5 monthly promo to spend on restaurant orders" plus two $10 promos for other categories: in-app promos, three separate orders a month to realize. |
$300 | $25 a month in 3 uses of $8.33; unused amounts are lost | use it monthly ends 2027-12-31 |
| Robinhood Platinum Card$695 annual fee | Dining Credit "$20 per month with $30 in January" at "over 15,000 participating restaurants", applied automatically; no carry-over. |
$250 | $20 a month; unused amounts are lost | use it monthly unverified |
| American Express Delta SkyMiles Reserve Business$650 annual fee | Resy Dining Credit $20/month at 10,000+ US Resy-listed restaurants; the charge must come from a Resy merchant, but a Resy reservation is not strictly required. |
$240 | $20 a month; unused amounts are lost | use it monthly |
| American Express Delta SkyMiles Reserve$650 annual fee | Resy Dining Credit $20/month at 10,000+ US Resy-listed restaurants; the charge must come from a Resy merchant, but a Resy reservation is not strictly required. |
$240 | $20 a month; unused amounts are lost | use it monthly |
| Chase United Club$695 annual fee | Instacart Credit Two $10 credits per month, each needing a separate order, with complimentary Instacart+ (enrollment required); published through 2027-12-31. |
$240 | $20 a month in 2 uses of $10; unused amounts are lost | use it monthly ends 2027-12-31 |
| Chase United Quest$350 annual fee | Instacart Credit One $10 and one $5 credit per month, each needing a separate order, with complimentary Instacart+ (enrollment required); published through 2027-12-31. |
$180 | $15 a month in 2 uses of $7.50; unused amounts are lost | use it monthly ends 2027-12-31 |
| American Express Delta SkyMiles Platinum$350 annual fee | Resy Dining Credit $10/month at US Resy-listed restaurants; enrollment required; use-it-or-lose-it monthly. |
$120 | $10 a month; unused amounts are lost | use it monthly |
| American Express Gold Card$325 annual fee | Dining Credit Up to $10/month across the partner roster, which rotated in the April 2026 refresh: Buffalo Wild Wings and Wonder added; Goldbelly and Wine.com removed. Enrollment required; unused months are forfeited. |
$120 | $10 a month; unused amounts are lost | use it monthly |
| American Express Delta SkyMiles Platinum Business$350 annual fee | Resy Dining Credit $10/month at US Resy-listed restaurants; enrollment required; use-it-or-lose-it monthly. |
$120 | $10 a month; unused amounts are lost | use it monthly |
| Chase Sapphire Preferred$95 annual fee | DoorDash Monthly Promo (DashPass) $10/month promo on non-restaurant (grocery/retail) orders, applied at in-app checkout, not a statement credit. Through 2027-12-31. |
$120 | $10 a month; unused amounts are lost | use it monthly ends 2027-12-31 |
| Chase United Explorer$150 annual fee | Instacart Credit $10/month with complimentary Instacart+ membership (enrollment required); benefit currently published through 2027-12-31. |
$120 | $10 a month; unused amounts are lost | use it monthly ends 2027-12-31 |
| Chase Ink Business Preferred$95 annual fee | DoorDash Non-Restaurant Credit "Up to $10 monthly credit on DoorDash non-restaurant orders" with the complimentary DashPass membership activated. |
$120 | $10 a month; unused amounts are lost | use it monthly ends 2027-12-31 |
| Robinhood Platinum Card$695 annual fee | DoorDash Monthly Promo "$10 off one qualifying DoorDash delivery order each month", no minimum, subtotal only; activate from the DoorDash tile on the Benefits page. |
$120 | $10 a month; unused amounts are lost | use it monthly |
| Robinhood Platinum Card$695 annual fee | DashPass Membership Complimentary DashPass while the account is open; set the card as the default DoorDash payment method. One per account. Worth it only if you would pay for DashPass. |
$120 | $120 a year, resets on the calendar | — |
| American Express Gold Card$325 annual fee | Resy Dining Credit $50 per Jan–Jun and Jul–Dec window at US Resy-listed restaurants; the charge must come from a Resy merchant, but booking through Resy is not strictly required. |
$100 | $50 twice a year; unused amounts are lost | — |
| American Express Gold Card$325 annual fee | Dunkin' Credit Up to $7/month at US Dunkin' locations and the Dunkin' app; enrollment required. |
$84 | $7 a month; unused amounts are lost | use it monthly |