Which dining program is worth joining

What this ranking does not know

Nobody has confirmed what these programs pay per dollar against their own terms, so none of them carries an earn rate here. The order above is therefore what a point is worth in each program, and it assumes they earn at similar rates. That is a weaker claim than the rankings elsewhere on this site, which compare real dollars per $100 spent, and it is stated rather than hidden because the two look identical in a table.

If the programs really do earn at similar rates — and the ones sharing a platform generally do — then the point value decides it outright and this order is the answer. Check the earn tiers on the program's own page before you register, and if they differ materially, the ranking to trust is the one you compute yourself.

Why it stacks with everything else

A dining program is paid by the restaurant, through the network that watches for your card at the till. Your card's own rate is paid by the issuer, and a card-linked offer is paid by the merchant through the issuer. Three payers, three payments, and none of them can see the others — which is why registering costs you nothing and takes nothing away.

The catch is the one that makes it a decision: the same plumbing is what makes it exclusive. Registering a card with a second program generally moves it rather than adding to it, so the miles follow whichever program holds the card now.

Which card to register

The one you actually eat out on, and not necessarily the one that earns most there. These miles arrive on top of the card's own rate, so the question is only which card sees the most restaurant spending — a dining program on a card you never use at a restaurant earns nothing however good the program is.

Cardful does this comparison against the cards you actually carry, on its cheat sheet page, using your own point values rather than the published ones. Somebody who only ever redeems for cash gets a different answer from this table, and should.

Registering happens on each program's own site. Cardful holds no account with any of them, never sees a card number, and only records which program you told it a card is in.

Point values: published industry valuations, most recently read 2026-08. We track The Points Guy, Upgraded Points, NerdWallet and AwardWallet. Not re-confirmed against the latest monthly update: American AAdvantage, United MileagePlus, Delta SkyMiles, Alaska Atmos Rewards and Southwest Rapid Rewards. Every figure on this page is recomputed from that data when the site is built, so it cannot quietly disagree with what Cardful tells you at a checkout.