Best Credit Cards for Dining (In or Out)

We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure.

The best credit cards for dining offer generous rewards on restaurant purchases, and sometimes even offer statement credits and dining perks. We’ve analyzed hundreds of card offers to find the most rewarding cards for all your restaurant purchases, regardless of whether you dine in or carry out. 

Best Credit Cards for Dining of August 2021

Best Overall, Best With No Annual Fee, Most Ways to Earn : U.S. Bank Altitude® Go Visa Signature® Card


Our Rating Among Dining Cards
4.8
U.S. Bank Altitude® Go Visa Signature® Card
Current Offer

Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 23.99% variable
Annual Fee $0
Rewards Earning Rate Earn 4x points on takeout, food delivery and dining, earn 2x points at grocery stores, grocery delivery, streaming services and gas stations. Earn 1 point per dollar on all other purchases.
INTRO PURCHASE APR 0% for 12 Billing Cycles
Foreign transaction fee (%) 0%
  • Why We Chose This Card:
  • Pros & Cons:
  • Highlights:
Why We Chose This Card:

This top-notch, no-annual-fee card will handsomely reward all your food cravings. It offers 4 points per $1 spent on takeout, food delivery, and dining (just note that the orders must be categorized by the merchant as a restaurant, fast-food restaurant, or bar purchase to get the extra rewards). You’ll also get 2 points per $1 spent on groceries (including delivery orders), streaming services, and gas. The sign-up bonus provides 20,000 bonus points (worth $200) for spending $1,000 within 90 days, and there’s even a nice year-long break on interest costs.

Pros & Cons:
Pros
  • High earning rates on dining purchases

  • Option to earn extra points and a statement credit on streaming service purchases

  • Decent introductory 0% APR offer on purchases and transfers

  • No annual fee

Cons
  • Few valuable travel or purchase insurance perks

Highlights:
  • Earn 4 points per $1 on takeout, food delivery and dining
  • Earn 2 points per $1 on groceries, gas, and streaming services
  • $15 credit for annual streaming service purchases
  • No annual fee
  • Low Introductory APR on purchases and balance transfers
  • Points never expire

Read the full U.S. Bank Altitude® Go Visa Signature® Card review

Best for Travelers : Chase Sapphire Preferred® Card


Our Rating Among Dining Cards
4.3
Chase Sapphire Preferred® Card
Current Offer

Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 22.99% variable
Annual Fee $95
Rewards Earning Rate Earn 2X points on dining, including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
Foreign transaction fee (%) 0%
  • Why We Chose This Card:
  • Pros & Cons:
  • Highlights:
Why We Chose This Card:

This card is a solid choice if you love dinners out and traveling. It offers a decent rewards-earning rate on dining purchases and travel (2 points per $1 spent), and there is a good bit of flexibility when it comes to using your rewards. Chase Ultimate Rewards points can be transferred to a travel partner loyalty program (in fact, they're most valuable when you use them that way), which means this card can help you pad your favorite airline or hotel rewards program account. It also offers a few excellent benefits for hungry travelers, including primary rental car insurance and a complimentary DoorDash DashPass Membership, which waives delivery fees on qualified food orders.

Pros & Cons:
Pros
  • Good bonus compared to other travel cards with similar annual fees

  • Option to transfer points to eligible airline and hotel programs, often at a 1-to-1 ratio

  • Points are pretty valuable when redeemed for travel

  • Some premium travel insurance benefits

Cons
  • No credits to cover incidental airline fees or other travel-related costs

  • Few everyday purchase categories earn extra points

Highlights:
  • Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 100,000 points are worth $1,250 toward travel.
  • Earn 5X points on Lyft rides through March 2022.
  • Transfer points 1:1 to eligible Ultimate Rewards airline and hotel partner programs.
  • With Pay Yourself Back, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.

Read the full Chase Sapphire Preferred Card review

High Dining Rewards Rate : Citi Prestige®


Our Rating Among Dining Cards
4.7
Citi Prestige®
Current Offer

Earn 50,000 bonus points after spending $4,000 within 3 months of account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 16.99% - 23.99% variable
Annual Fee $495
Rewards Earning Rate Earn 5 points per dollar at airlines, travel agencies, and restaurants, 3 points per dollar at hotels and cruise lines, and 1 point per dollar on other purchases.
Foreign transaction fee (%) 0%
  • Why We Chose This Card:
  • Pros & Cons:
  • Highlights:
Why We Chose This Card:

Restaurant enthusiasts who want to get more out of each dollar spent on dining or takeout need to check out this premium travel card. It boasts one of the highest rewards-earning rates on the market for dining: 5 points per $1 spent. Even better, you’ll also get 5 points per $1 on air travel and 3 points per $1 on hotels and cruise lines. Take note of the steep $495 annual fee, but in exchange, this card offers some valuable travel perks, including a $250 annual travel credit, complimentary airport lounge access, a complimentary fourth night on hotel bookings of four nights or more, and reimbursed Global Entry/TSA Precheck application fees. You’ll also earn a nice 50,000-point bonus worth $605, based on The Balance’s calculations.

Pros & Cons:
Pros
  • Super high rewards earning rates

  • Long list of great travel benefits

  • Many ways to use points, including transfers to travel partner loyalty programs

Cons
  • Steep annual fee

  • Additional cardholders will be charged an authorized user fee

Highlights:
  • Indulge in exceptional travel and hotel rewards with the Citi Prestige Card, one of Citi’s ThankYou rewards credit cards designed for avid travelers.
  • 50,000 bonus ThankYou Points are redeemable for $500 in travel, anytime, with no blackout dates when booked through the ThankYou Travel Center.
  • Complimentary fourth night at a hotel of your choice after a minimum 4 consecutive night booking through ThankYou.com
  • Up to $250 travel credit every calendar year

Read the full Citi Prestige review

Best for Going Out on the Town : Capital One Savor Cash Rewards Credit Card


Our Rating Among Dining Cards
4.6
Capital One Savor Cash Rewards Credit Card
Current Offer

$300 Cash Back after you spend $3,000 on purchases within 3 months from account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $95
Rewards Earning Rate Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
Foreign transaction fee (%) 0%
  • Why We Chose This Card:
  • Pros & Cons:
  • Highlights:
Why We Chose This Card:

If you want outsized rewards on restaurant purchases but don’t want to commit to a big annual fee, this card has your back. For a $95 annual fee, you get unlimited 4% cash back on dining, entertainment, and certain streaming service subscriptions, which is a standout earning rate and makes it the perfect card to use for a night on the town. You’ll also get access to special experiences, including fine dining events, VIP tickets, and more. Additionally, the card offers 3% back at grocery stores, and 1% back on all other purchases. To top it off, the $300 new-cardholder welcome offer is decent.

Pros & Cons:
Pros
  • High (and unlimited) rewards earning rate on dining and entertainment purchases

  • Few cash back redemption rules, so rewards are easy to use

  • Valuable travel and cellphone insurance benefits

  • No foreign transaction fee

Cons
  • Annual fee

Highlights:
  • Earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% at grocery stores and 1% on all other purchases.
  • Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
  • Cardholders get access to unforgettable experiences—think VIP tickets, five-star meals and beyond.
  • You won’t pay a transaction fee when making a purchase outside of the United States.
  • You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

Read the full Capital One Savor Cash Rewards Credit Card review

Best for Food Delivery, Best Dining/Grocery Combination : American Express® Gold Card


Our Rating Among Dining Cards
4.4
American Express® Gold Card
Current Offer

Earn 60,000 Membership Rewards(R) points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 22.99% variable
Annual Fee $250
Rewards Earning Rate Earn 4X Membership Rewards(R) Points on Restaurants, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too. Earn 4X Membership Rewards(R) points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Foreign transaction fee (%) 0%

See rates and fees

  • Why We Chose This Card:
  • Pros & Cons:
  • Highlights:
Why We Chose This Card:

If you love eating out and cooking your own meals, this card belongs in your wallet. It offers 4 points per dollar at restaurants and at U.S. supermarkets (the latter is limited to $25,000 spent each year), which is stellar compared to other card offers. The annual fee can sting a bit, but it helps that you can earn up to $10 back per month in statement credits for ordering food through GrubHub or Seamless, or dining at a select handful of restaurants including The Cheesecake Factory and Shake Shack. There’s more, too: This card now offers $10 of Uber Cash each month ($120 annually), which you can use to order even more takeout through UberEats or to cover the rideshare fare costs to get to your next meal.

Pros & Cons:
Pros
  • Great earning rate on dining purchases, and good rate on flight purchases

  • Membership Rewards program offers many ways to redeem points, especially for travelers

Cons
  • High annual fee, considering you can get similar travel rewards from other lower-cost cards

  • Limited financing options

Highlights:
  • One annual fee. Unlimited possibilities. Explore just some of the unparalleled benefits that can add up to more than the annual fee.
  • $120 dining credit.
  • $100 The Hotel Collection credit.
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.

Read the full American Express® Gold Card review

FAQs

How Do Credit Card Dining Rewards Work?

Rewards credit cards offer cash back, points, or miles when you make certain purchases. Depending on the card, it may offer a single earning rate for all purchases, or it may award more points for purchases that fall into certain categories, such as dining.

The best credit cards for dining rewards offer at least 3% back on restaurant purchases. However, some go an extra mile and offer 4% or even 5% back. 

It’s important to keep in mind, though, that not all rewards rates are created equal. Cash-back rewards cards are the most straightforward because you can use cash back for just about anything and the value remains consistent. For example, the Capital One Savor Cash Rewards Credit Card offers 4% cash back on dining, which means you’ll get $4 back for every $100 you spend on qualified purchases.

However, if a rewards card offers points or miles—both of which are often associated with travel credit cards—how you can use those rewards and their value will vary based on the rewards program it’s tied to, such as American Express Membership Rewards or Chase Ultimate Rewards.

For example, the American Express Gold Card offers 4 points per $1 spent at restaurants (including takeout), which can be worth more than 1 cent apiece, depending on how you redeem them. That means you could get more than $4 back in value for every $100 you spend at restaurants with that particular card. If you’re interested in maximizing your rewards redemption values, getting a card with flexible rewards like that can be worth it.

Compare The Best Credit Cards for Dining (In or Out)

Credit Card Annual Fee
U.S. Bank Altitude® Go Visa Signature® Card
Best Overall
$0
Chase Sapphire Preferred® Card
Best for Travelers
$95
Citi Prestige®
High Dining Rewards Rate
$495
Capital One Savor Cash Rewards Credit Card
Best for Going Out on the Town
$95
American Express® Gold Card
Best for Food Delivery, Best Dining/Grocery Combination
$250

What Types of Cards Reward Dining?

Dining rewards credit cards offer the chance to earn extra rewards on just dining out or on dining out and ordering in. Depending on the card, making purchases at some or all of the following places may qualify as dining purchases:

  • Restaurants
  • Bars, pubs, and taverns
  • Cafes
  • Fast-food restaurants
  • Bakeries

Some cards may also offer bonus rewards on purchases made through food delivery services such as DoorDash, GrubHub, and Seamless. Be careful about how you use your card, though. Some restaurant purchases that you think are dining purchases may not actually qualify. For example, if a card states that you’ll earn bonus rewards at restaurants only, you may not get anything extra if you order from a restaurant through a third-party delivery service.   

If you eat at a restaurant inside another establishment, such as a hotel or casino, the purchase may not count as a restaurant purchase and therefore won’t earn extra dining rewards. It’s important to know exactly what purchases are included in your card’s dining rewards category, so you can avoid missing out on extra cash back, points, or miles.

How Should You Choose a Dining Rewards Card?

To pick the best dining rewards credit card for you, ask yourself these questions to narrow down your options based on your spending habits and preferences:

  • How often do you eat out? If your immediate answer is “a lot,” you may spend enough to make a card with a higher annual fee worth the cost. On the flip side, occasional diners may be better off with a no-annual-fee card, so there’s no extra cost to offset.
  • Do you prefer dining out or ordering in? As we mentioned, not all rewards cards reward the same types of purchases. Based on your preferred way to get restaurant food, check to see which dining-related purchases are eligible for extra rewards before you apply for a card.
  • Do you spend a lot in other categories? Many dining cards also offer bonus rewards on other types of purchases, such as groceries or travel. Picking a card that fits more of your spending habits can help you not only earn more, but also reduce the need to pair your dining rewards card with several others. How much flexibility do you want with your rewards? Using cash back is pretty easy, but you may be able to get more value with a credit card that offers travel points or miles for your dining purchases.
  • Am I going to pay off the balance in full each month? If not, don’t focus on earning dining rewards. Any monthly interest costs you accumulate will quickly negate any savings earned from racking up dining rewards. You’ll want a low APR card to keep debt costs low instead.
  • What perks do I want? Some of the credit cards that generously reward dining purchases charge steep annual fees, but provide some great benefits (such as statement credits or airport lounge access) that help make up for that unavoidable yearly cost. Review the options to determine if you will enjoy them and get enough value from them to come out on top.

Once you’ve answered these questions, review our list of the dining rewards cards above and apply for the card that will give you the most bang for your buck based on how you’d use it.

Methodology

We collect data on hundreds of cards and score more than 55 features that affect your finances. We do this because it's our mission to give you unbiased, comprehensive credit card reviews.

Our reviews are always impartial. No one can influence which cards we review, the way we present them to you, or the ratings they receive.

About This List

We reviewed more than 150 rewards credit cards to find the very best in the category, and these cards made the cut for this list.

What We Score

We first and foremost favor cards that allow you to earn a lot of rewards on restaurant purchases when taking into account their three-year average annual fee. We also took into consideration other ways consumers might want to earn rewards, such as on groceries, travel, or entertainment. Cards with food delivery benefits and special events that foodies might like scored better as well. For more information about how The Balance evaluates credit cards, see our full credit card review methodology

To see the rates and fees of featured American Express Card, please see the following links: American Express Gold Card rates and fees.