20 Best Credit Cards for Dining & Restaurants

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If you’re a foodie who loves to dine out, then you know how important it is to have a good restaurant credit card.

With so many different cards out there, it can be hard to decide which one is right for you.

That’s why we’ve compiled a list of the best restaurant credit cards so that you can make an informed decision.

Best for Restaurants and Groceries: American Express® Gold Card

Best Cash Back: Citi Custom Cash℠ Card

Best Budget Card: Bilt Rewards Mastercard

Best Dining and Starter Travel: Chase Sapphire Preferred® Card

Best Dining and Frequent Travel: Chase Sapphire Reserve®

1. American Express® Gold Card

4x Amex Membership Rewards Points at Restaurants Worldwide

The American Express® Gold Card is one of my favorite cards because it earns:

  • 4x points at restaurants worldwide, including takeout and delivery in the U.S.,
  • 4x points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x). 
  • 3x points on flights booked directly with airlines or on amextravel.com

Plus, card members get a $120 dining credit plus $120 in Uber Cash for U.S. Uber rides or Uber Eats orders can offset the card’s $250 yearly fee. (Enrollment is required for credit.)

2. Citi Custom Cash Card

5% Cash Back in Your Top Category and No Annual Fee

5% Cash Back in Top Category
Citi Custom Cash℠ Card
  • Earn $200 Cash Back After Spending $1,500 in the First Six Months
  • 5% Cash Back on Purchases in Your Top Eligible Spend Category Each Billing Cycle up to $500 (1% after that)
  • 0% Intro APR for 15 Months on Purchases and Balance Transfers ($5 or 5% fee). After that, a variable APR of 16.24% to 26.24% applies.
  • No Annual Fee
Learn More Our Review

The Citi Custom Cash℠ Card is a no-annual-fee card that earns 5% cash back in your top spending category each billing cycle.

Eligible 5% cash back categories include restaurants, gas stations, grocery stores, select travel, home improvement stores, drug stores, select transit, select streaming, fitness clubs, and live entertainment.

This allows you to turn the Custom Cash into your 5% cash back card for gas stations, restaurants, grocery stores, or several other categories.

3. Chase Sapphire Preferred®

3x Chase Ultimate Rewards Points on Dining

Great Starter Travel Card
Chase Sapphire Preferred®
  • Earn 60,000 Ultimate Rewards Bonus Points for Spending $4,000 in the First 3 Months
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 3x Points on Select Streaming and Online Grocery (excluding Walmart, Target, and Wholesale Clubs)
  • 2x Points on Travel
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal and 3x points on dining, online groceries, and streaming services. 

The Chase Sapphire Preferred offers a 10% anniversary points bonus, 12-month DoorDash DashPass subscription, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

4. Citi Premier® Card

3x Citi ThankYou Points at Restaurants

80,000 Points
Citi Premier® Card
  • Earn 80,000 Points After Spending $4,000 in the First 3 Months
  • 3x Points at Restaurants, Supermarkets, Gas Stations, Flights, and Hotels
  • $100 Off a Single $500 Hotel Stay Per Year
  • Extended Warranty and Purchase Protections
  • $95 Annual Fee
Learn More Our Review

The Citi Premier® Card currently offers a large 80,000 points welcome bonus after spending $4,000 in the first three months.

Plus, you can earn a lot of points by earning 3x points at restaurants, supermarkets, gas stations, airlines, and hotels. 

The Premier card also comes with no foreign transaction fees, purchase protection, and an extended warranty for items purchased with the card that adds an additional 24 months to the manufacturer’s warranty.

5. Bilt Rewards

3x Points on Dining and No Annual Fee

No Annual Fee
Bilt Rewards Mastercard
  • Pay Rent Without Fees and Earn 1x Points
  • No Annual Fee
  • 3x Points on Dining
  • 2x Points on Travel
  • Transfer Rewards to Airlines and Hotels
  • Cell Phone, Primary Rental Car, and Trip Delay Insurance
Learn More Our Review

Bilt Rewards is a no-annual-fee credit card that allows you to pay rent without a transaction fee and earn 1 point per dollar on rent. You also earn 3x points on dining, 2x points on travel, and 1x points everywhere else.

The Bilt Rewards card also comes with great benefits for a no annual fee card including cell phone insurance, primary rental car insurance, 90-day purchase protection, trip delay insurance, trip cancellation insurance, and no foreign transaction fees. 

Plus, you can transfer your points to airline and hotel partners such as United Airlines, American Airlines, and World of Hyatt. Or redeem the points for travel or at Amazon.

6. Chase Sapphire Reserve®

3x Chase Ultimate Rewards Points on Dining

Chase Sapphire Reserve®
  • Earn 60,000 Ultimate Rewards Points for Spending $4,000 in the First 3 Months
  • $300 Annual Travel Credit
  • 10x Points on Hotels and Rental Cars and 5x Points on Flights Booked Through Chase Ultimate Rewards
  • 3x Points on Dining, Takeout, & Eligible Food Delivery
  • 50% More Redemption Value
  • Priority Pass Airport Lounge Access
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $550 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Reserve® is a great option for travelers who want premium perks such as airport lounge access and top-tier travel protections.

The Sapphire Reserve has a $550 annual fee, but you receive an annual easy-to use $300 travel credit and access to 1,300 Priority Pass airport lounges.

Plus, great benefits such as trip delay insurance, primary rental car insurance, trip cancellation insurance, lost luggage reimbursement, purchase and return protection, extended warranty, and no foreign transaction fees.

Cardmembers also earn extra points with 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on travel, dining, and food delivery purchases, and 1x points everywhere else.

You can also cash out points at a 50% bonus (1.5 cents per point) when redeeming points towards travel or transfer the points to Chase’s airline and hotel partners.

7. American Express® Green Card

3x Amex Membership Rewards Points at Restaurants

3X Points on Dining, Transit, and Travel
American Express Green Card
  • Earn 40,000 Membership Rewards Points After $2,000 in Eligible Purchases in the First 6 Months
  • 3X Points at U.S. Restaurants, Transit, and Travel
  • $100 CLEAR Credit
  • $100 LoungeBuddy Credit
  • No Foreign Transaction Fees
  • $150 Annual Fee (Rates & Fees)
Learn More Our Review
Non-Affiliate Link; Terms Apply

The American Express Green offers 3x points at restaurants, including takeout and delivery in the United States.

Plus 3x points on airfare, hotels, cruises, car rentals, trains, buses, subways, and other transit.

The Green card offers statement credits to recoup the $150 annual fee, including a $100 CLEAR credit and a $100 LoungeBuddy Credit. 

8. Chase Freedom Flex℠

3% Cash Back at Restaurants and No Annual Fee

5% Back in Quarterly Categories
Chase Freedom Flex℠
  • Earn $200 Bonus Cash Back After Spending $500 in the First 3 Months + 5% Cash Back on Gas Station Purchases in the First Year (up to $6,000)
  • 5% Cash Back in Quarterly Bonus Categories (up to $1,500 in combined spending after activation)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants, Eligible Food Delivery, and Drug Stores
  • Cell Phone Insurance and Purchase Protection
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Flex℠ is a great no-annual fee card that earns 5% cash back in quarterly categories (up to $1,500 in combined spending) and on travel purchased via Chase Ultimate Rewards.

The Freedom Flex also earns 3% cash back at restaurants, eligible food delivery, and drug stores.

The card also comes with nice benefits such as cell phone insurance, extended warranty, purchase protection, secondary rental car insurance, and trip cancellation/interruption insurance.

9. Chase Freedom Unlimited®

3% Cash Back at Restaurants and No Annual Fee

No Annual Fee With $200 Welcome Bonus
Chase Freedom Unlimited®
  • Earn an Additional 1.5% on All Purchases Up to $20,000 in the First Year ($300 Max Bonus)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants and Drug Stores
  • 1.5% Cash Back on All Other Purchases
  • 0% Intro APR for 15 Months (After the Intro Period, a Variable APR of 17.24% – 25.99% Applies)
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Unlimited® is a good no-annual fee credit card option that offers 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back at restaurants, takeout, eligible delivery services, and on drugstore purchases. Plus it offers 1.5% cash back on all other eligible purchases.

The Freedom Unlimited also offers nice benefits such as purchase protection, extended warranty, trip cancellation/interruption insurance, and secondary rental car insurance.

10. Hilton Honors American Express Aspire Card

7x Amex Membership Rewards Points at U.S. Restaurants

Hilton Honors Diamond Status
Hilton Honors American Express Aspire Card
  • Earn 150,000 Hilton Points After $4,000 in Eligible Purchases in the First 3 Months
  • Hilton Honors Diamond Elite Status
  • 14x Points at Hilton Hotels and Resorts
  • One Free Weekend Night Award at Any Hotel
  • $250 Hilton Resort Statement Credit
  • $250 Airline Fee Credit
  • Priority Pass Airport Lounge Access With Two Guests
  • $450 Annual Fee and No Foreign Transaction Fees (Rates and Fees)
Learn More Our Review
Non-Affiliate Link; Terms Apply; Enrollment is Required for Some Benefits

The Hilton Honors American Express Aspire is a premier card packed with top-notch hotel benefits and earns 14x Hilton Honors points at Hilton hotels and resorts, and 7x points at U.S. restaurants and on flights booked directly with airlines.

This premium hotel rewards card has a $450 annual fee, but it comes with an automatic Hilton Honors Diamond status, which gets you a 100% points bonus, milestone bonuses, suite upgrades, free breakfast, and other top-tier hotel perks. 

Plus, you receive up to $250 Hilton resort statement credits, $250 airline fee credits, and $100 Hilton on-property credit, which easily offset the card’s yearly fee. 

Cardholders also enjoy unlimited Priority Pass lounge access with two guests and one free weekend night award at any Hilton hotel. 

11. Chase Aeroplan® Card

3x Aeroplan Points at Restaurants

Chase Aeroplan® Card
  • Earn 70,000 Points After Spending $3,000 in Purchases in the First 3 Months
  • 3x Points at Grocery Stores, Restaurants, and Air Canada directly.
  • New Cardmember Aeroplan 25K Elite Status for This Year and Next Year
  • Free First Checked Bag for You & Up to 8 Companions
  • 500 Bonus Points for Every $2,000 You Spend in a Calendar Month.
  • $95 Annual Fee and No Foreign Transaction Fees.

Click Here to Learn How to Apply

The Chase Aeroplan® Card is a unique card that offers nice benefits on Air Canada and preferred pricing when redeeming your Aeroplan points.

The Aeroplan Card earns 3x points per dollar at grocery stores, restaurants, eligible food delivery services, and with Air Canada directly.

Cardmembers also get a free first checked bag for themselves plus 8 companions on the same reservation, and new cardmembers will receive Air Canada 25K Elite Status for the remainder of the year plus the following calendar year.

Big spenders can also earn nice perks: 500 bonus points for every $2,000 you spend in a calendar month (up to 1,500 bonus points per month), and a one-tier status upgrade when you spend $50,000 on the card in a calendar year. 

12. U.S. Bank Altitude® Go Visa Signature® Card

4x Points on Dining

No Annual Fee
U.S. Bank Altitude Go
  • Earn 20,000 Points After Spending $1,000 in the First 90 Days
  • 4X Points on Dining, Takeout, and Food Delivery
  • 2X Points at Grocery Stores, Grocery Delivery, Streaming Services, Gas Stations, and EV Charging Stations
  • $15 Annual Streaming Credit
  • No Annual Fee
Learn More Our Review

The U.S. Bank Altitude® Go Visa Signature® Card is a no-annual-fee credit card offering 4x points (equivalent to 4% cash back) on dining, including take-out and food delivery.

Plus, cardmembers also get 2x points (equivalent to 2% cash back) at grocery stores, grocery delivery, streaming services, gas stations, and EV charging stations.

13. Capital One Savor Rewards

4% Cash Back on Dining

4% Cash Back on Dining, Entertainment, and Streaming
Capital One Savor Rewards
  • Earn $300 Bonus Cash After Spending $3,000 Within the First Three Months
  • 8% Cash Back at Vivid Seats
  • 4% Cash Back on Dining, Entertainment, & Streaming
  • 3% Cash Back at Grocery Stores
  • No Foreign Transaction Fees
  • Extended Warranty and Travel Accident Insurance
  • $95 Annual Fee
Learn More Our Review

The Capital One Savor Rewards is a card designed for foodies with unlimited 4% cash back on dining and entertainment, 3% back at grocery stores, 8% cash back at Vivid Seats, and 1% back on all other purchases. 

The Savor card also offers no foreign transaction fees and extended warranty protection. 

14. Wyndham Rewards Earner Plus Card

4x Wyndham Rewards Points on Dining

Wyndham Platinum Elite Status
Wyndham Rewards Earner Plus
  • Earn 60,000 Wyndham Points After Spending $1,000 in Purchases in the First 90 Days
  • Wyndham Platinum Elite Status
  • 6x Points at Wyndham and Gas Stations
  • 4x Points at Restaurants and Grocery Stores
  • 7,500 Points Anniversary Bonus
  • No Foreign Transaction Fees
  • $75 Annual Fee
Learn More Our Review

The Wyndham Rewards Earner Plus Card earns 6x points at Wyndham hotels and gas stations and 4x points on dining and groceries. 

Several nice perks offset the $75 annual fee, including 7,500 bonus points every account anniversary for one free night and automatic Wyndham Platinum elite status, which gets you preferred room upgrades, late check-out, early check-in, a 15% points bonus, and Caesars Rewards Platinum status. 

Additionally, the Wyndham Earner Plus offers 10% savings when you redeem your points for a Go Free award that typically costs 7,500 to 30,000 points per night. 

15. IHG® Rewards Premier Credit Card

5x IHG Rewards Points on Dining

Platinum Elite Status
IHG® Rewards Premier Credit Card
  • Earn 140,000 IHG Bonus Points + 1 Free Night After $3,000 in Purchases in the First 3 Months
  • 10x Points at IHG Hotels and Resorts
  • 5x Points on Travel, Dining, and Gas
  • 3x Points on All Other Purchases
  • IHG Platinum Elite Status
  • Anniversary Free Night
  • 4th Night Free on Awards
  • Baggage and Trip Interruption/Cancellation Insurance
  • Purchase Protection for 120 Days
  • $99 Annual Fee

Click Here to Learn How to Apply

The IHG® Rewards Premier Credit Card is the easiest shortcut to obtaining IHG Platinum elite status, which is a higher tier that offers a 60% points bonus, complimentary suite upgrades, milestone rewards, and late check-out. 

The $99 annual fee is easy to recoup for IHG loyalists, as the card comes with a free anniversary hotel night at hotels costing 40,000 points or at least $125 per night plus a fourth night free that you can use to maximize the 140,000 welcome bonus points earned after spending $3,000. 

The IHG Premier offers solid returns on spending, earning 10x points at IHG properties plus 10x points for your IHG Rewards membership and 6x points for having the Platinum Elite status for a total of 26x points on hotel stays, and 5x points on travel, gas, and dining

This card has a wide array of protections, including trip cancellation, travel accident, baggage delay, purchase, and secondary rental car insurance. 

16. Capital One Venture X Rewards Credit Card

2x Capital One Miles on Dining

75,000 Miles
Capital One Venture X Rewards Credit Card
  • Earn 75,000 Bonus Miles for Spending $4,000 in the First 3 Months
  • $300 Travel Credit for Bookings via Capital One Travel
  • 10,000 Points for Each Account Anniversary
  • Hertz President’s Circle Elite Status
  • Airport Lounge Access (Priority Pass, Capital One, & Plaza Premium)
  • 10X Miles on Hotels and Rental Cars, and 5x Points on Flights Booked with Capital One Travel
  • Trip Delay and Trip Cancellation Insurance
  • $395 Annual Fee
Learn More Our Review

The Capital One Venture X Rewards Credit Card is a premium travel rewards card that’s perfect for travelers who want outstanding travel perks like annual travel credits, worldwide airport lounge access, and travel and purchase protections. 

The Venture X earns 2x miles on all purchases helping you maximize every dollar of your spending. Plus, you can earn 10x miles on hotels and rental cars, and 5x miles on flights booked through Capital One.

The card has a $395 annual fee, it is completely offset by an easy-to-use $300 annual travel credit for bookings via Capital One Travel and 10,000 points (worth at least $100) each account anniversary.

Plus you get airport lounge access at Priority Pass, Capital One, and Plaza Premium Lounges, Hertz President’s Circle elite status, Global Entry or TSA PreCheck credit, rental car insurance, trip and luggage insurance, cell phone insurance, and purchase protection.

17. World of Hyatt Credit Card

2x Hyatt Points at Restaurants

Discoverist Status Plus One Free Night Every Year
World of Hyatt Credit Card
  • Earn Up to 60,000 Points: 30,000 Points for Spending $3,000 in First 3 Months + Up to 30K Points with 2x Bonus Points per $1 in the First 6 Months
  • 4X Points at all Hyatt Hotels
  • 2X Points on Dining, with Airlines, Local Transit, & Gyms
  • One Free Night Each Year (Category 1-4) + Extra Free Night After Spending $15,000 Per Calendar Year
  • Automatic Discoverist Status
  • $95 Annual Fee

Click Here to Learn How to Apply

The World of Hyatt Credit Card is one of the better hotel credit cards that offers 4x points at Hyatt hotels and 2x points in several categories, including at restaurants, airline tickets purchased directly with airlines, local transit, commuting, and fitness clubs.

Plus, you get a free hotel night at a Category 1-4 Hyatt Hotel to offset the $95 annual fee, and you can earn an additional night when you spend $15,000 in a calendar year.

18. Capital One SavorOne Rewards

3% Cash Back on Dining

No Annual Fee
Capital One SavorOne Rewards
  • Earn $200 Bonus Cash after Spending $500 in the First 3 Months
  • 8% Cash Back at Vivid Seats
  • 3% Cash Back on Dining, Entertainment, Streaming, and Grocery Stores
  • No Annual Fee
Learn More Our Review

The Capital One SavorOne is a no-annual-fee card that earns 3% cash back in four popular categories: dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).

The SavorOne also has nice perks such as no foreign transaction fees and extended warranty protection.

19. Citi® / AAdvantage® Platinum Select® World Elite Mastercard

2x American AAdvantage Miles at Restaurants

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
  • Earn 50,000 AAdvantage Miles for $2,500 in Purchases in the First 3 Months
  • 2x Miles on American, Gas Stations, and Restaurants
  • Free Checked Bag and Preferred Boarding
  • 25% In-Flight Savings on Food and Drinks
  • $99 Annual Fee, Waived for First 12 Months
Learn More Our Review

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a good option for American Airlines flyers because it offers a free first checked bag on domestic flights for you and up to 4 travel companions on the same reservation, plus preferred boarding on American Airlines flights.

Plus, you earn 2 AAdvantage miles per dollar at restaurants, gas stations, and on American Airlines.  

The AAdvantage Platinum card can also help you earn AAdvantage elite status because every dollar spent on the card equals one Loyalty Point.

20. Costco Anywhere Visa® Card by Citi

3% Cash Back at Restaurants

Costco Anywhere Visa® 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
  • Purchase Protection
  • No Foreign Transaction Fees
  • No Annual Fee
Learn More Our Review

The Costco Anywhere Visa® Card by Citi is a no-annual-fee card that earns:

  • 4% cash back on eligible gas and EV Charging up to $7,000 per year (then 1%)
  • 3% cash back at restaurants and eligible travel purchases
  • 2% cash back at Costco. 

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