Update: Some offers mentioned below are no longer available or the benefits and terms have changed. View the issuer’s site for current information.
When deciding what the best credit card for your wallet is, consider what you’ll be spending the most on every day. If you’re someone who eats out frequently, make sure you find the best dining rewards credit card to match your needs.
Review this list of the best credit cards for restaurants to narrow down your options and learn about the best rewards credit cards available.
American Express Gold Card
The American Express Gold card has a $250 annual fee, but you can make that back quickly if you typically spend a lot on restaurant meals, especially if you’re also a frequent traveler. This Membership Reward points card gives 4X points at restaurants, including takeout and delivery orders. When you add the Gold card to your Uber account, you’ll receive $10 in Uber Cash each month for Uber Eats orders or Uber rides – in addition to your points. You also get 4X points on up to $25,000 in purchases from U.S. supermarkets each year (then 1x) and 3X points for flights you book directly with airlines or on Amextravel.com.
If you’re a new Membership Rewards member, American Express will award you with 60,000 bonus points when you make at least $4,000 in purchases on your new card within the first six months of membership.
Savor Rewards Card from Capital One
The Capital One Savor Rewards credit card is a top contender for the title of the best dining credit card. This card allows you to earn an unlimited 4% cash back on dining, entertainment and streaming services, 3% at grocery stores and 1% on everything else. You will savor the rewards even more by earning a one-time $300 cash bonus when you spend $3,000 on purchases within three months of your account opening. This card is well worth considering for dining out if you will spend enough to offset the annual fee of $95.
SavorOne Rewards from Capital One
The Capital One SavorOne Rewards credit card is one of the best dining credit cards — especially if you are looking for a card with no annual fee. This card offers unlimited 3% cash back on dining, entertainment, streaming services and grocery-store purchases and 1% for everything else. This contender for best dining rewards credit card offers a one-time $200 cash bonus after you spend just $500 on purchases within the first three months of the account opening. If you are looking for a card that offers 0% annual percentage rate for the first 15 months on purchases and balance transfers (then a 14.99% – 24.99% variable APR applies), no annual fee and cash back on dining, this one could be your ticket to big savings.
Chase Sapphire Preferred
If you’re looking for the best credit card for dining out that also allows you to earn rewards for travel, look no further than the Chase Sapphire Preferred card. This card allows you to earn 5X points on travel purchased through Chase Ultimate Rewards and 3X points on dining, including eligible delivery and takeout,and online grocery purchases. Other perks include a $50 annual Ultimate Rewards hotel credit on your account anniversary date, a 25% points boost when you redeem points for travel purchases or statement credits and a 10% anniversary points boost. New members receive 60,000 bonus points after spending $4,000 on purchases within the first three months of account opening. The new-member points are eligible for the travel points boost, which brings the potential value to $750 – enough to cover the $95 annual fee for many years to come.
Compare the Sapphire Preferred to other Chase credit card options.
Chase Sapphire Reserve
The Sapphire Reserve card has the highest annual fee of any card on this list – $550 -, but it also has the most special perks geared especially toward foodies. Whereas the card offers 3X points on dining, including eligible deliveries, you get an additional 7X bonus points when you take advantage of Chase Dining to prepay reservations or order takeout from local restaurants, attend exclusive dining events or join virtual cooking events. The card also provides a host of travel benefits like a $300 annual travel credit. New cardholders get 50,000 bonus points for spending $4,000 on purchases in the first three months of account opening. Maximize your earning potential by adding authorized users for an additional $75 per user per year.
U.S. Bank Altitude Go Visa Signature Card
You don’t have to spend a fortune on dining to take advantage of the perks you get from the Altitude Go Visa Signature card from U.S. Bank. You earn 4X points on dining, including takeout and restaurant delivery, 2X points on groceries, gas, electric-vehicle charging and streaming services and 1X points on everything else. Use the card to pay for streaming services for 11 months to earn a $15 annual statement credit. The Altitude Go card comes with a 0% introductory APR for the first 12 billing cycles (then a variable APR of 14.99% – 23.99% applies), so you can transfer balances from high-interest cards to save even more. New cardholders receive 20,000 points, worth $200, for spending $1,000 in the first 90 days after opening an account.
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Priscilla Aguilera contributed to the reporting for this article.