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 (review)
Best Budget Card: Bilt Mastercard® (review)
Best Dining and Starter Travel: Chase Sapphire Preferred® Card (review)
Best Dining and Frequent Travel: Chase Sapphire Reserve®
1. American Express® Gold Card
4x Amex Membership Rewards Points at Restaurants
The American Express® Gold Card (review) is one of my favorite cards because it earns:
- 4x Membership Rewards® points at restaurants, including takeout and delivery in the U.S.,
- 4x Membership Rewards® 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 nice credits when you enroll your Gold Card to offset the annual fee:
- $120 Uber Cash: Add your Gold Card to your Uber account, and each month automatically get up to $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations.
2. Chase Sapphire Preferred® Card
3x Chase Ultimate Rewards Points on Dining
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- 5x Points on Travel Booked Via Chase
- 3x Points on Dining and Eligible Delivery Services
- 2x Points on All Other Travel Purchases
- 10% Anniversary Points Boost
- Trip Delay and Trip Cancellation Insurance
- Primary Rental Car Insurance
- $95 Annual Fee
The Chase Sapphire Preferred® Card (review) 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, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases.
Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription when activated by December 31, 2024, and a $50 anniversary hotel statement credit.
Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans.
3. Chase Freedom Unlimited®
3% Cash Back at Restaurants and No Annual Fee
The Chase Freedom Unlimited® (review) 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 card also offers nice benefits such as purchase protection, extended warranty, trip cancellation/interruption insurance, and secondary rental car insurance.
4. Bilt Mastercard®
3x Points on Dining and No Annual Fee
- Pay Rent Without Fees and Earn 1 Point Per Dollar on Rent (up to 50,000 Points Per Calendar Year)
- 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
Bilt Mastercard® 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 (up to 50,000 points per calendar year).
You also earn 3x points on dining, 2x points on travel, and 1x points everywhere else.
The Bilt Rewards card also has 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.
5. Chase Sapphire Reserve®
3x Chase Ultimate Rewards Points on Dining
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- $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
The card_name (review) 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.
- 3x points on dining, and food delivery purchases.
- 1x points everywhere else.
One thing to remember is that you won’t earn points on your first $300 in travel purchases each cardmember year since the $300 travel credit covers those purchases.
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.
6. Citi Custom Cash℠ Card
5% Cash Back in Your Top Category and No Annual Fee
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- 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, reg_apr,reg_apr_type.
- No Annual Fee
The Citi Custom Cash is a no-annual-fee card that earns 5% cash back in your top spending category each billing cycle.
Eligible 5% cash back categories, among several others, include:
- Restaurants.
- Gas stations.
- Grocery stores.
- Select travel.
- Home improvement stores.
- Drug stores.
- Fitness clubs.
This allows you to turn the Custom Cash into your 5% cash back card for your favorite category.
7. American Express® Green Card
3x Amex Membership Rewards Points at Restaurants
- Earn 40,000 Membership Rewards® points after you spend $3,000 within the first 6 months.
- 3X Points at U.S. Restaurants, Transit, and Travel
- Annual Statement Credits for CLEAR® Plus and LoungeBuddy
- No Foreign Transaction Fees
- $150 Annual Fee
The American Express® Green Card (review) is a nice mid-tier travel card offering 3x Membership Rewards points on travel, restaurants, and transit, along with a $189 statement credit for $189 CLEAR® Plus credit and a $100 LoungeBuddy Credit.
8. Chase Freedom Flex℠
3% Cash Back at Restaurants and No Annual Fee
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months.
- 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
The Chase Freedom Flex℠ (review) 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. Citi Premier® Card
3x Citi ThankYou Points at Restaurants
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- 3x Points at Restaurants, Supermarkets, Gas Stations, Air Travel, and Other Hotels.
- $100 Off a Single $500 Hotel Stay Per Year
- Extended Warranty and Purchase Protections
- $95 Annual Fee
The Citi Premier® Card is the best card for earning points because it offers 3x points at:
The Premier card also comes with no foreign transaction fees, purchase protection, and an extended warranty for items purchased, adding an additional 24 months to the manufacturer’s warranty.
10. Hilton Honors American Express Aspire Card
7x Amex Membership Rewards Points at U.S. Restaurants
The Hilton Honors American Express Aspire Card (review) 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. Aeroplan® Credit Card
3x Aeroplan Points at Restaurants
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- 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
- $95 Annual Fee and No Foreign Transaction Fees.
The Aeroplan® Credit 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
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- 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
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
- Earn $300 Bonus Cash After Spending $3,000 Within the First Three Months.
- 8% Cash Back at Capital One Entertainment
- 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
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 Capital One Entertainment, and 1% back on all other purchases.
The Savor card also offers no foreign transaction fees and extended warranty protection.
Plus, cardholders earn 10% cash back on purchases with Uber and Uber Eats and complimentary Uber One membership statement credits every month through November 14, 2024.
14. IHG One Rewards Premier Credit Card
5x IHG Rewards Points on Dining
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- 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
The card_name (review) 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.
15. Capital One SavorOne Cash Rewards Credit Card
3% Cash Back on Dining
- Earn bonus_miles_full
- 8% Cash Back at Capital One Entertainment
- 3% Cash Back on Dining, Entertainment, Streaming, and Grocery Stores
- No Annual Fee
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.
Plus, cardholders earn 10% cash back on purchases with Uber and Uber Eats and complimentary Uber One membership statement credits every month through November 14, 2024.
For rates and fees of the American Express® Gold Card, please click here.
