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Published: Jun 27, 2023 24 min read
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American Express® Gold Credit Card Logo
Capital One Savor One Cash Rewards Credit Card Logo
Chase Freedom Unlimited® Credit Card Logo
IHG® Rewards Premier Credit Card Logo
American Express® Gold CardCapital One SavorOne Rewards Credit CardChase Freedom Unlimited®IHG One Rewards Premier Credit Card
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Restaurant rewards

4x points at restaurants worldwide, and on U.S. delivery and takeout

3% cash back on dining

Unlimited 3% cash back on dining

5x points on dining

Annual feeannual_fees (See rates and fees.) annual_fees annual_fees annual_fees
Welcome offerbonus_miles_full bonus_miles_full bonus_miles_full bonus_miles_full
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American Express® Gold Card
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Restaurant rewards

4x points at restaurants worldwide, and on U.S. delivery and takeout

Annual fee
annual_fees (See rates and fees.)
Welcome offer
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Best for a Night Out
Capital One SavorOne Rewards Credit Card
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Restaurant rewards

3% cash back on dining

Annual fee
annual_fees
Welcome offer
bonus_miles_full
Best with No Annual Fee
Chase Freedom Unlimited®
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Restaurant rewards

Unlimited 3% cash back on dining

Annual fee
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bonus_miles_full
Best Hotel Card for Dining
IHG One Rewards Premier Credit Card
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Restaurant rewards

5x points on dining

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Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. Our site does not include all card companies or all available card offers.

From business meetings at luxury restaurants, to the quick breakfast at a fast food place when there’s little time, the best credit cards for restaurants can reward you for all of it.

This type of card typically offers high reward rates for restaurant purchases, along with additional perks for foodies and those looking for the best dining experiences.

Take a look at our guide and top choices to see which card fits your habits the best.

Our Top Picks for the Best Credit Cards for Restaurants

Our top picks are listed in alphabetical order.

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Best Credit Cards for Restaurants Reviews

Courtesy of American Express
Pros
  • 4x at worldwide restaurants, and U.S. takeout and delivery
  • Up to $120 in Uber Cash per year for use on U.S. eats and rides (given as $10 monthly credits)
Cons
  • High annual_fees annual fee
  • No fine dining perks

(Terms apply. Click here for rates and fees.)

HIGHLIGHTS
Welcome offer
bonus_miles_full
Insurance & protection
Car rental loss and damage insurance, baggage insurance plan, extended warranty and purchase protection*

Intro APR: intro_apr_rate,intro_apr_durationRegular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

Why we chose it: The American Express® Gold Card offers some of the highest rewards for dining of any credit card out there and these can be in the form of points, statement credits and/or additional offers.

The American Express® Gold Card is well known for its rewards, especially in the dining category. It offers:

  • 4x Membership Rewards® points at restaurants worldwide and on U.S. delivery and takeout
  • 4x points at U.S. supermarkets in up to $25,000 in purchases a year (1x thereafter)
  • 3x points on flights purchased directly from airlines or through AmexTravel.com
  • 1x point per $1 on all other eligible purchases
  • Terms apply

As good as 4x points on restaurants are, this card’s food-related benefits don’t stop there.

It also offers a $120 dining credit, divided into $10 monthly credits, when you use it to pay at certain qualifying restaurants and services, including GrubHub, The Cheesecake Factory and Shake Shack, among others. (Enrollment is required.)

Cardholders can also get up to $120 in Uber Cash when the American Express® Gold Card is added to the Uber app. The benefit is divided into $10 monthly credits, which can be used on UberEats orders as well as Uber rides within the U.S.

The $250 annual fee is quite high when compared to other dining credit cards, but the dining credit and Uber Cash make up for it almost entirely, essentially making the points on dining and groceries net gains. If your habits match these benefits, it might be worth it.

Courtesy of Capital One
Pros
  • Earn 3% cash back on dining purchases, groceries, streaming services and entertainment (excluding superstores like Walmart® and Target®)
  • Earn 10% cash back on Uber and Uber Eats purchases and complimentary Uber One membership statement credits (through 11/14/2024)
  • Up to 8% cash back on purchases made through Capital One Entertainment
  • Access to Capital One Dining, with priority reservations and access to exclusive dining events
  • No annual fee
Cons
  • No insurance or travel-related protection
HIGHLIGHTS
Early spend bonus
bonus_miles_full
Insurance & protection
Standard

Intro APR: intro_apr_rate,intro_apr_durationRegular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

Why we chose it: The Capital One SavorOne Rewards Credit Card specializes in dining and entertainment, offering high rewards and VIP-style benefits.

As its name suggests, the Capital One SavorOne Rewards Credit Card is tailor-made for foodies, and its rewards show it. However, there are some extra rewards that make it an excellent choice for hanging out with friends, date nights and much more:

  • 8% back on tickets through Capital One Entertainment
  • 5% back on hotels and rental cars through Capital One Travel (Terms apply)
  • 3% back on dining and grocery stores, excluding superstores like Target and Walmart
  • 3% back on entertainment, including theaters, sporting events, concerts and more
  • 3% back on select streaming services
  • 1% back on all other eligible purchases

As other Capital One cards, it also includes Capital One Dining, which provides exclusive access to certain fine dining events, priority reservations for restaurants and more.

Also, through November 14th, 2024, cardholders can get a statement credit for Uber One membership and earn 10% cash back on Uber and UberEats, the highest reward rate we’ve seen for any delivery service.

With its 3% on all dining, the Capital One SavorOne Rewards is already a competitive card in the category, but with all its other rewards and benefits, it’s an excellent choice for overall fun and dining experiences.

If you want even an even higher rate of rewards, and don’t mind paying a $95 annual fee, you can take a look at the Capital One Savor Cash Rewards Credit Card, which offers 4% cash back on dining and entertainment, in addition to all the benefits offered by the no annual fee card.

Courtesy of Chase
Pros
  • Unlimited 3% back on dining and drugstore purchases
  • Unlimited 5% back on travel through Chase Travel℠
  • Complimentary DashPass for 3 months
Cons
  • 3% foreign transaction fee
HIGHLIGHTS
New cardmember offer
bonus_miles_full
Insurance & protection
Purchase protection, extended warranty, trip cancellation/interruption insurance, auto rental collision damage waiver

Intro APR: intro_apr_rate,intro_apr_durationRegular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

Why we chose it: In addition to its base 3% cash back rate on dining, the Chase Freedom Unlimited® offers excellent travel rewards and a solid insurance package.

The Chase Freedom Unlimited® doesn’t charge an annual fee, yet it offers a wide variety of rewards and overall benefits:

  • 5% back on travel through Chase Travel℠, including flights, hotels and rental cars
  • 3% back on dining purchases, including eligible delivery and takeout
  • 3% back at drugstores
  • 1.5% back on all other eligible purchases

Also, you’ll earn an additional 1.5% on each category during the first year of card membership or up to the first $20,000 spent.

Second, it offers a complimentary three-month DashPass membership, which waives the delivery fee, has exclusive offers regularly and more.

Finally, the Chase Freedom Unlimited® has a broad suite of insurance services, which can come in handy when traveling. It does have a 3% foreign transaction fee, however, so you’ll want to take a different card with you if you’re traveling internationally.

Pros
  • Access to Chase Dining perks
  • Earn 10x total points on Chase Dining purchases through Chase Travel℠ program
  • Earn 3x points at restaurants, including eligible delivery services, takeout and dining out
  • Access to over 1,300 airport lounges
  • $300 annual statement credit for travel purchases charged to your card
Cons
  • High annual_fees annual fee
HIGHLIGHTS
New cardmember offer
bonus_miles_full
Insurance & protection
Trip cancellation/interruption insurance, trip delay reimbursement, auto rental collision damage waiver, lost luggage reimbursement, purchase protection, return protection, extended warranty

Intro APR: intro_apr_rate,intro_apr_durationRegular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

Why we chose it: The Chase Sapphire Reserve® offers cardholders a large variety of fine dining experiences, from priority reservations to exclusive events, as well as 10x points when paying for these Chase Dining perks.

The Chase Sapphire Reserve® is one of the best-known premium cards out there, mainly when it comes to travel. However, it offers a variety of rewards when it comes to dining out. You can earn:

  • 10x points on hotels and car rentals through Chase Travel℠ after you spend the first $300 on travel purchases
  • 10x points on Chase Dining℠ purchases made through Ultimate Rewards®
  • 5x points on airfare through Chase Travel℠ after spending $300 on travel purchases
  • 3x points on worldwide travel after qualifying for the $300 annual travel credit
  • 3x points on dining, including delivery and takeout
  • 1x point on all other qualifying purchases

The card’s main draw when it comes to dining is its high 10x points on Chase Dining℠ purchases. The Chase Dining℠ portal serves as a guide to high-end restaurants, through which you can book reservations, get access to exclusive events with world renowned chefs and more. Getting 10x for those purchases is the cherry on top.

If the $550 annual fee is too much, you can have access to some Chase Dining℠ features and benefits through other cards, such as the Chase Sapphire Preferred®, for a much lower price. Do note, however, that you’ll miss out on the 10x points and on some exclusive events reserved to Chase Sapphire Reserve® cardholders.

Courtesy of Chase
Pros
  • Earn 4% cash back on DoorDash and Caviar purchases
  • Earn 3% when buying directly from a restaurant
  • Complimentary DashPass membership for first year from account opening
  • Complimentary DashPass membership after $10,000 in annual spending
  • No foreign transaction fee
Cons
  • Delivery rewards limited to DoorDash and Caviar
HIGHLIGHTS
New cardmember offer
bonus_miles_full
Insurance & protection
Purchase protection, extended warranty, auto rental collision damage waiver, trip cancellation/interruption insurance

Intro APR: intro_apr_rate,intro_apr_durationRegular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

Why we chose it: With the DoorDash Rewards Mastercard®, avid food delivery users can save a lot of money by getting a complimentary DashPass membership and very high 4% cash back on DoorDash orders.

It’s the future and DoorDash has its own credit card, providing high cash back rewards on delivery and other spending categories:

  • 4% back on DoorDash and food delivery app Caviar purchases
  • 3% back when buying directly from restaurants
  • 2% back on purchases at grocery stores
  • 1% back on all other eligible purchases

As you can see, high rewards are not limited to DoorDash, but include Caviar, a food delivery app that, depending on the area, could offer more exclusive and diverse restaurants. You also earn 3% when buying directly from restaurants, a pretty competitive rate in the dining category.

This card also offers a complimentary DashPass membership the first year (a $96 value), and then each following year after you spend at least $10,000. DashPass membership offers valuable benefits such as no delivery fee, reduced service fees, 5% back as DoorDash credits and more.

Courtesy of Chase
Pros
  • 5x on dining, travel and gas
  • Free night after each account anniversary year at IHG® hotels around the world
  • One year complimentary DashPass
Cons
  • No rental car or flight delay insurance
HIGHLIGHTS
New cardmember offer
bonus_miles_full
Insurance & protection
Trip cancellation/interruption insurance, baggage delay insurance, purchase protection, lost luggage reimbursement

Intro APR: intro_apr_rate,intro_apr_durationRegular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

Why we chose it: The card_name offers an ultra high 5x points on dining, along with a complimentary one-year DashPass membership and excellent hotel perks — all for a low annual fee when compared to cards with similar rewards.

The IHG One Rewards Premier Credit Card offers exceptional value for its $99 annual fee, with high rewards for hotel purchases as well as other spending categories:

  • Up to 26x total points at IHG® Hotels and Resorts (10x points with the card, 10x points for being an IHG® Rewards member, 6x points from IHG® with Platinum Elite Status, which is granted by the card. Terms and conditions apply.)
  • 5x points on dining
  • 5x points on travel and gas stations
  • 3x points on all other purchases

Offering 5x points on dining, in addition to travel and gas, this card accrues a great deal of points that could go towards free nights or upgrades at IHG® properties worldwide. It also offers a full year of DashPass, which waives the delivery fee for DoorDash orders, among other perks.

As expected from a hotel card, it also offers plenty of hotel and travel-related rewards. For example, it offers one free night every anniversary year (one of the very few that do in its price category), automatic Platinum Elite Status as an IHG® Premier cardmember and a statement credit of up to $100 every four years as reimbursement for TSA PreCheck®, Global Entry or NEXUS fees when you pay those with the card — all while accruing high points on one of traveling’s most fun adventures: eating.

Courtesy of US Bank
Pros
  • 5% cash back on two categories of your choice in up to $2,000 in combined purchases per quarter
  • 5% on travel through U.S. Bank's Rewards Travel Center
Cons
  • Cardholders must choose categories quarterly
  • Foreign transaction fee
HIGHLIGHTS
Insurance & protection
Standard

Why we chose it: This card by U.S. Bank offers 5% on two categories of your choice from a pre-established list, which includes fast food restaurants.

On the surface, the U.S. Bank Cash+® Visa Signature® Card doesn’t seem like a specialized dining card (it isn’t), but when used strategically, it can really pay off for those who do most of their eating on the go.

The card offers 5% on two categories of your choice from a list that includes: fast food, home utilities, TV, internet, select streaming services, department stores, cell phone bills, electronics stores and more.

Here’s the overall breakdown of rewards:

  • 5% on two categories of your choice up to $2,000 in combined purchases each quarter
  • 2% on a category of your choice from groceries, restaurants and gas stations
  • 1% on all other eligible purchases

By choosing the 5% on fast food, you’ll earn one of the highest reward rates on any type of dining among cash back credit cards. You could also choose to earn 2% on regular restaurants or grocery stores, which makes this card a solid choice very good for overall food expenses.

Keep in mind you have to choose the categories each quarter so you don’t miss out on the rewards.

All information about the U.S. Bank Cash+® Visa Signature® Card has been collected independently by Money.com.

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Other Credit Cards for Restaurants We Considered

Citi Custom Cash® Card

Courtesy of Citi
Pros
  • 5% cash back on most used eligible category up to the first $500 spent (1% cash back after that)
  • No annual fee
Cons
  • No bonus categories
  • Low $500 spending cap on 5% cash back

When used strategically, the Citi Custom Cash® Card can yield 5% on dining as it rewards your most used eligible categories, and restaurants is one of them. If it becomes your designated “going out to eat” card, its earning rate on restaurants will be 5%, up until the first $500 spent each billing cycle. However, if you spend more than that or plan to use it for other spending, this might not be the best card for you.

All information about the Citi Custom Cash® Card has been collected independently by Money.com.

Citi Premier® Card

Courtesy of Citi
Pros
  • $100 hotel savings on a single stay of $500 or more once per calendar year
  • 3x on restaurants, travel, gas stations and supermarkets
  • No foreign transaction fee
Cons
  • No travel insurance or protection
  • $95 annual fee is high for what it offers

The Citi Premier® Card offers a competitive 3x points on dining, as well as on travel, gas stations and supermarkets for when your favorite restaurant is way too full. Its $95 annual fee, however, is too high for the rewards rate.

All information about the Citi Premier® Card has been collected independently by Money.com.

card_name

Courtesy of American Express
Pros
  • 4X Marriott Bonvoy points on restaurants worldwide, U.S. delivery and takeout and U.S. supermarkets up to $15,000 in combined purchases at restaurants and U.S. supermarkets per year (2X thereafter)
  • 2X Marriott Bonvoy points for each dollar spent on eligible purchases
  • One free night at participating hotels after you spend $15,000 on eligible purchase on the Marriott Bonvoy Bevy™ Card in a calendar year
  • No foreign transaction fee
Cons
  • $250 annual fee is comparatively high
  • Cap on dining and supermarkets could be limiting for high-end diners

(Terms apply. Click here for rates and fees.)

Intro APR: intro_apr_rate,intro_apr_durationRegular APR: reg_apr,reg_apr_typeAnnual Fee: annual_fees

This hotel card by American Express offers a lot of value, including a pretty high 4X Marriott Bonvoy points on worldwide restaurants and an annual free night after spending $15,000 on your Marriott Bonvoy Bevy™ American Express® Card in a calendar year. It’s the caps on the reward rates (after the first $15,000 spent on both restaurants and U.S. supermarkets, the rate drops to 2X) that kept it off our top picks.

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

Courtesy of US Bank
Pros
  • 4x on on dining, takeout and restaurant delivery
  • 2x at grocery stores and grocery delivery
  • $15 annual credit after using select popular streaming services
Cons
  • Lower rewards than competitors in non-dining categories

This card’s 4x points on restaurants, fast food and bars is comparatively high, especially for a credit card without an annual fee. It's a solid option for dining, but it does fall short on other categories when compared to some of our top picks.

All information about the U.S. Bank Altitude® Go Visa Signature® Card has been collected independently by Money.com.

Best Credit Cards for Restaurants Guide

If you dine out a lot, whether it’s because of a busy lifestyle, an active nightlife or just love to discover food, a credit card that can reward you for all those expenses is essential.

Here are some factors to take into consideration when looking for a card that focuses on restaurant perks and rewards.

What is a credit card for restaurants?

The best credit cards for restaurants are credit cards that yield high rewards on dining. This could be at sit-in restaurants, cafes, bars, as well as takeout and food delivery services. Some cards will offer points or cash back for dining or provide statement credits for eating at specific restaurants.

Premium cards — that is, cards that charge high annual fees — will also offer benefits such as delivery service memberships, priority reservations, access to exclusive restaurants or even VIP events.

How do credit cards for restaurants work?

These are regular credit cards with fees, APR and a monthly billing cycle. Their peculiarity is that they offer high rewards for dining or some additional perks such as VIP access to high-end restaurants.

Points or cash back are automatically added to your account, given that the restaurant’s merchant category code is registered as such. Statement credits or other benefits might require enrollment, depending on the credit card issuer and the particular offer.

How to choose a credit card for restaurants

While the idea is similar, not all credit cards that specialize in dining are made the same. There are some factors that you should take into account when choosing one.

Analyze your dining habits

Around 56% of Americans dine out multiple times a week. If you’re one of them, having a credit card that’ll help you rack up reward points is convenient and could save you some money in the long run.

Also, consider the type of dining you enjoy. If you eat mostly at fast food restaurants, a simple no annual fee card that has a fixed rewards program might be good enough. If, on the other hand, you enjoy fine dining, a program like Chase Dining could provide you with exclusive access to fine dining restaurants and events.

If you don’t actually dine out that much, you could consider a credit card that provides more rewards on grocery purchases — granted, many credit cards share both benefits — or other general categories such as gas and utilities.

Takeout and delivery

Although it sounds obvious, this is a big factor to consider when choosing a credit card for dining. Some credit cards explicitly exclude takeout and delivery services from their rewards categories, but some of the best cards can even reward you more for it.

If you order a lot of delivery, make sure to apply for a card that includes it in its program. Moreover, you can get cards that provide special benefits for these services. Some Chase cards, for example, provide complimentary DashPass membership, while some Capital One cards are currently offering 10% on UberEats.

Consider other benefits

Depending on why you want a credit card for restaurants, you need to also analyze the card’s other categories and benefits to determine whether it’ll be your day-to-day card or you just want it to complement other cards you have. Here are some factors to take into account.

  • Additional categories. If this will be your main card, you want it to reward your everyday purchases as well. Consider whether it provides high reward rates on other categories such as groceries, gas, utilities or travel, as well as the card’s base rate on every other purchase you make. On the other hand, if you want this card to be only for dining and going out, prioritize its rewards on restaurants and delivery services.
  • Foreign transaction fee. One of traveling’s main activities is eating. If your plans include leaving the U.S. frequently, then your dining card should reward you for trying out new foods instead of charging you a 3% foreign transaction fee for it.
  • Travel perks. As mentioned above, travel and dining go hand in hand, so if you want your card to cover all those bases, make sure you pick one that offers travel-related benefits such as higher rewards when booking travel, rental insurance or even TSA PreCheck® statement credits. Some of the best travel credit cards reward dining as well, so make sure to check those out.
  • Entertainment. As with travel, nights out don’t just include restaurants, but might include ball games, concerts and more. A card that rewards you for entertainment purchases or gives you priority access to tickets will make the weekends even better overall.

Latest News in Credit Cards for Restaurants

How We Chose the Best Credit Cards for Restaurants

  • Rewards. Arguably, the main factor when picking the best credit cards for restaurants is the rewards they offer for dining, including takeout and delivery. However, cards with high reward rates on additional categories got some bonus points.
  • Additional dining perks. Other than rewards, additional perks such as statement credits, complimentary memberships, priority booking and more were crucial in our selection process.
  • Fees. Annual fees could seriously impact how much money cardholders save or lose with their credit cards. Foreign transaction fees were also an important factor, as dining is a big part of traveling.
  • Benefits. We also compared the benefits not necessarily involving dining, such as insurance, travel-related perks and more.

Summary of Money's Best Credit Cards for Restaurants

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

To see rates and fees for the American Express® Gold Card, visit this link. Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.