9 Best Business Credit Cards for Dining at Restaurants

Deals Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites. Opinions and recommendations are ours alone. Terms apply to the offers. See our Advertising Disclosure for more information.

Earn sweet rewards whenever you have business dinners. Whether you’re wining and dining with a client or treating your hardworking employees, we’ve got you covered!

Here are some of our top picks of business credit cards for dining at restaurants.

1. American Express® Business Gold Card

Best for Flexible Rewards

4X Points in Top 2 Business Categories
American Express® Business Gold Card
  • bonus_miles_full
  • 4X Points on Purchases in Your Top 2 Business Categories (up to $150,000 in Combined Purchases Per Calendar Year)
  • No Foreign Transaction Fees
  • $295 Annual Fee (Rates and Fees)
Learn More Our Review
American Express is a Deals Points advertiser. Terms Apply

The American Express® Business Gold Card (review) is a good fit for business owners who want to earn much-coveted Membership Rewards points from business spending. 

For a $295 annual fee, this card earns 4x points on up to $150,000 in combined purchases per year in your top two spending categories, with options including eligible airfare, U.S. advertising, U.S. shipping, U.S. cloud, software, and hardware, U.S. gas, and U.S. dining purchases.

You can also receive 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.

2. IHG One Rewards Premier Business Credit Card

Best for Free Hotel Nights

IHG One Rewards Premier Business Credit Card
  • bonus_miles_full
  • 10x at IHG Hotels & Resorts
  • 5x Points on Travel, Dining, Select Business, and at Gas Stations
  • Free Anniversary Free Night
  • IHG Platinum Elite Status
  • $99 Annual Fee

Click Here to Learn How to Apply

The IHG One Rewards Premier Business Credit Card (review) is a good option if you spend a few nights a year at an IHG Hotels and Resorts such as the Holiday Inn, Kimpton, Intercontinental, Hotel Indigo, or Crowne Plaza.

Cardmembers earn 10 points per dollar at IHG Hotel and Rewards, 5 points per dollar on travel, dining, select business, and at gas stations, and 3 points per dollar on all other purchases.

Plus, you get nice perks such as IHG Platinum Elite status, a free anniversary free night, fourth night free on award stays, purchase protection, and Global Entry, TSA PreCheck, or a NEXUS statement credit. 

3. The Blue Business® Plus Credit Card from American Express

Best for Everyday Business Purchases

2x Points on Everyday Spending
The Blue Business® Plus Credit Card from American Express
  • 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
  • 0.0% Intro APR on purchases for the first 12 months. After that, reg_apr,reg_apr_type APR. APRs will not exceed 29.99%
  • No Annual Fee (rates & fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply

The Blue Business® Plus Credit Card from American Express (review) is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point on all other eligible purchases.

You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.

I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.

4. Capital One Spark Miles for Business

Best for Simple Rewards

2x Miles on All Purchases
Capital One Spark Miles for Business
  • bonus_miles_full
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • 2x Miles On Every Purchase
  • Global Entry or TSA PreCheck Credit
  • No Foreign Transaction Fees
  • $0 Intro Annual Fee for the First Year, $95 Thereafter
  • Free employee cards which also earn unlimited 2X miles from their purchases
Learn More Our Review

The Capital One Spark Miles for Business is one of the top travel rewards credit cards for small business owners.

The card earns unlimited 5X miles on hotels and rental cars booked through Capital One Travel. It also earns unlimited 2 miles per dollar on all purchases, which can be transferred to Capital One’s airline and hotel partners.

The Spark Miles also offers a statement credit for your Global Entry or TSA PreCheck application (up to $100) and no foreign transaction fees.

5. The Hilton Honors American Express Business Card

Best Rewards Rates for Dining

Complimentary Gold Status
The Hilton Honors American Express Business Card
  • bonus_miles_full
  • Complimentary Hilton Honors Gold Status
  • 12X Points at Hilton Properties
  • 6X Points at U.S. Gas Stations and U.S. Restaurants
  • 10 Complimentary Priority Pass Lounge Visits
  • $95 Annual Fee (rates & fees)
Learn More Our Review
American Express is a Deals Points advertiser. Terms Apply

The Hilton Honors American Express Business Card (review) offers complimentary Gold status with the chance to upgrade to Diamond status upon hitting the $40,000 spending threshold. 

For a low annual fee of $95, this business card earns 12x Hilton Honors points at Hilton properties and 6x points in several categories:

The Hilton Honors Business card also offers a free night reward after spending $15,000 and a second free night reward after spending $45,000 per year. 

Plus, you receive 10 free Priority Pass visits to airport lounges worldwide.

6. Marriott Bonvoy Business® American Express® Card

Best for Marriott Stays

Marriott Gold Status
Marriott Bonvoy Business® American Express® Card
  • bonus_miles_full
  • 6X Points at Marriott Hotels & Resorts
  • 4X Points at Restaurants Worldwide, at U.S. gas stations, U.S. Phone Service Providers, and on U.S. Shipping Purchases.
  • Annual Free Night Award (up to 35,000 Points)
  • 15 Elite Night Credits and Gold Elite Status
  • No Foreign Transaction Fees
  • $125 Annual Fee (Rates and Fees)
Learn More Our Review
American Express is a Deals Points advertiser. Terms Apply

The Marriott Bonvoy Business® American Express® Card (review) is a nice choice for business owners who want valuable hotel perks, including an annual free night at hotels costing 35,000 points plus 15 elite night credits to achieve higher status faster. 

The Marriott Bonvoy Business card earns 6x points at participating hotels and 4x points at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.

You also receive automatic Marriott Gold Elite status, which offers a 25% points bonus, welcome amenity, space-available room upgrade, and priority late check-out. 

7. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

Best for Gas and EV Charging

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
  • Earn $500 Cash Back After Spending $4,500 in the First 150 Days on the Account Owner’s Card
  • 5% Cash Back on Prepaid Hotels and Car Rentals via the U.S. Bank Travel Rewards Center
  • 3% Cash Back at Gas and EV Charging Stations, Office Supply Stores, Cell Phone Service, and Restaurants
  • 1% Cash Back on All Other Purchases.
  • $100 Annual Software Credit for Recurring Subscription
  • No Annual Fee
Learn More

The no-annual-fee U.S. Bank Triple Cash Rewards World Elite Mastercard® earns 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants.

8. Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by Citi
  • 4% Cash Back on Eligible Gas and EV Charging for the First $7,000 Per Year, 1% Thereafter
  • 3% Cash Back on Restaurants and Travel
  • 2% Cash Back at Costco and Costco.com
  • No Foreign Transaction Fees
  • No Annual Fee
Learn More

The Costco Anywhere Visa® Business Card by Citi is a no-annual-fee card that earns 4% cash back on gas up to $7,000 per year (then 1%), 3% cash back at restaurants and eligible travel purchases, and 2% cash back at Costco. 

The Costco card also offers purchase protection and no foreign transaction fees.

9. Ink Business Cash® Credit Card

Ink Business Cash® Credit Card
  • bonus_miles_full
  • 5% Cash Back at Office Supply Stores, Internet, Cable, and Phone Services up to $25,000 Each Account Year
  • 2% Cash Back at Gas Stations and Restaurants Up to $25,000 Each Account Year
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Ink Business Cash® Credit Card (review) is a no annual fee card offering:

  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% cash back on all other purchases.

The card also offers nice benefits such as primary rental car insurance (when renting for business purposes), 120-day purchase protection, and extended warranty protection.

For rates and fees of the American Express® Business Gold Card, please click here.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

For rates and fees of The Hilton Honors American Express Business Card, please click here.

Top offers from our partners
60,000 Points
Terms Apply
75,000 Bonus Miles
Terms Apply
100,000 Bonus Points
Terms Apply
100,000 Points
Terms Apply