12 best dining credit cards of August 2022: Earn cash back or rewards points on restaurants, takeout, and delivery

By August 2, 2022DeFi
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  • Best dining card for foodies
  • Best premium card
  • Best for dining and travel
  • Best cash back rate
  • Best for dining and rotating bonus categories
  • Best for dining and flat-rate rewards
  • Best uncapped rewards rate with no annual fee
  • Best for restaurants and other bonus categories
  • Best if dining is your top spending category
  • Best for fast food
  • Best for students
  • Best for lower credit scores or building credit
  • Compare the best credit cards for dining
  • How to choose the best dining credit card for you
  • Frequently asked questions (FAQ)
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    Whether you're eating at restaurants in person or ordering takeout, using a credit card that earns bonus rewards for dining can help you earn extra points, miles, or cash back.

    Compare our top picks for the best dining credit cards

    • Chase Freedom Flex℠
    • Chase Sapphire Preferred® Card
    • Chase Sapphire Reserve®
    • Chase Freedom Unlimited®
    • U.S. Bank Altitude® Go Visa Signature® Card
    • Citi Premier® Card
    • Citi Custom Cash℠ Card
    • U.S. Bank Cash+® Visa Signature® Card
    • Capital One SavorOne Student Cash Rewards Credit Card

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    It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Our recommendation It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Best for dining and rotating bonus categories

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $0

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $200 after spending $500 on purchases in the first three months from account opening

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

    Our recommendation It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Best for dining and travel

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $95

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    5x points on all travel purchased through Chase Ultimate Rewards. 3x points on dining, including eligible delivery services, takeout, and dining out. 3x points on select streaming services. 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). 2x points on other travel. 1x point per dollar on everything else.

    Our recommendation It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Best premium card

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $550

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

    Our recommendation It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Best for dining and flat-rate rewards

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $0

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

    Our recommendation It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Best uncapped rewards rate with no annual fee

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $0

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    20,000 bonus points after spending $1,000 in the first 90 days of account opening

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    4X points on dining, takeout, and restaurant delivery. 2X points on streaming services. 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. 1X point on all other eligible purchases.

    Our recommendation It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Best for restaurants and other bonus categories

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $95

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases

    Our recommendation It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Best if dining is your top spending category

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $0

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $200 in cash back, fulfilled as 20,000 ThankYou® Points, after you spend $750 on purchases in the first 3 months of account opening

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.

    Our recommendation It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Best for fast food

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $0

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants 1% cash back on all other eligible purchases

    Our recommendation It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Best for students

    Annual Fee It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $0

    Intro Offer It indicates an expandable section or menu, or sometimes previous / next navigation options.

    $100 cash bonus once you spend $100 on purchases within 3 months of account opening

    Rewards It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores. Earn 1% cash back on all other purchases.

    Apply Now

    On Chase's website

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    On Chase's website

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    On Chase's website

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    On Chase's website

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    On US Bank's website

    Rates & Fees

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    On Citi's website

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    On Citi's website

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    On U.S. Bank's website

    Rates & Fees

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    On Capital One's website

    Here are some of the best credit cards for restaurants — including dine-in, takeout, and delivery — available right now.

    We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

    Best dining card for foodies: Amex Gold

    American Express® Gold Card

    Annual Fee

    $250

    Regular APR

    18.24% - 25.24% Variable

    Recommended Credit Score

    Good to Excellent

    4.6/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.6 out of 5 Stars

    Editor's Rating

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    American Express® Gold Card

    4.6/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.6 out of 5 Stars

    Editor's Rating

    Apply Now Rates & Fees

    Annual Fee

    $250

    Regular APR

    18.24% - 25.24% Variable

    Recommended Credit Score

    Good to Excellent

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • Great rewards for dining and for shopping at US supermarkets
    • Monthly statement credit for eligible dining purchases recoups some of the annual fee

    Cons

    • Underwhelming welcome bonus

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    • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
    • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
    • $120 Uber Cash on 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.
    • Updated $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. Enrollment required.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.
    • See Rates & Fees

    Best premium card: Chase Sapphire Reserve

    Chase Sapphire Reserve®

    Annual Fee

    $550

    Regular APR

    18.49% - 25.49% Variable

    Recommended Credit Score

    Good to Excellent

    A tooltip

    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

    4.65/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.65 out of 5 Stars

    Editor's Rating

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    Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

    Apply Now

    Chase Sapphire Reserve®

    4.65/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.65 out of 5 Stars

    Editor's Rating

    A tooltip

    Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

    Apply Now

    Annual Fee

    $550

    Regular APR

    18.49% - 25.49% Variable

    Recommended Credit Score

    Good to Excellent

    A tooltip

    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • Annual travel credit can effectively shave $300 off the annual fee if you use it
    • Strong travel insurance
    • Strong bonus rewards on travel and dining

    Cons

    • Very high annual fee

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    • New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
    • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

    Best for dining and travel: Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Annual Fee

    $95

    Regular APR

    17.49% - 24.49% Variable

    Recommended Credit Score

    Good to Excellent

    A tooltip

    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

    4.8/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.8 out of 5 Stars

    Editor's Rating

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    Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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    Chase Sapphire Preferred® Card

    4.8/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.8 out of 5 Stars

    Editor's Rating

    A tooltip

    Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

    Apply Now

    Annual Fee

    $95

    Regular APR

    17.49% - 24.49% Variable

    Recommended Credit Score

    Good to Excellent

    A tooltip

    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • High sign-up bonus starts you off with lots of points
    • Strong travel coverage

    Cons

    • Doesn't offer a Global Entry/TSA PreCheck application fee credit

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    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

    Best cash back rate: Capital One Savor Card

    Capital One Savor Cash Rewards Credit Card

    Annual Fee

    $95

    Regular APR

    15.99% - 24.99% variable APR

    Recommended Credit Score

    Excellent

    4.25/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.25 out of 5 Stars

    Editor's Rating

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    Capital One Savor Cash Rewards Credit Card

    4.25/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.25 out of 5 Stars

    Editor's Rating

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    Annual Fee

    $95

    Regular APR

    15.99% - 24.99% variable APR

    Recommended Credit Score

    Excellent

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • High cash-back rate for dining and entertainment
    • No foreign transaction fees

    Cons

    • Many other cash-back cards don't charge an annual fee (but at least this one's waived for the first year)

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    • Unlimited 4% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart® and Target®) and 1% on all other purchases
    • No Foreign Transaction Fees
    • One-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening

    Best for dining and rotating bonus categories: Chase Freedom Flex

    Chase Freedom Flex℠

    Annual Fee

    $0

    Regular APR

    16.49% - 25.24% Variable

    Recommended Credit Score

    Good to Excellent

    4.65/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.65 out of 5 Stars

    Editor's Rating

    Apply Now

    Chase Freedom Flex℠

    4.65/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.65 out of 5 Stars

    Editor's Rating

    Apply Now

    Annual Fee

    $0

    Regular APR

    16.49% - 25.24% Variable

    Recommended Credit Score

    Good to Excellent

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • No annual fee
    • Generous bonus cash-back categories
    • Great welcome bonus

    Cons

    • Booking through Ultimate Rewards portal can restrict outside earning potential
    • Varying percentages and rotating calendar categories require extra attention
    • 3% foreign transaction fees

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    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.
    • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

    Best for dining and flat-rate rewards: Chase Freedom Unlimited

    Chase Freedom Unlimited®

    Annual Fee

    $0

    Regular APR

    16.49% - 25.24% Variable

    Recommended Credit Score

    Good to Excellent

    4.6/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.6 out of 5 Stars

    Editor's Rating

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    Chase Freedom Unlimited®

    4.6/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.6 out of 5 Stars

    Editor's Rating

    Apply Now

    Annual Fee

    $0

    Regular APR

    16.49% - 25.24% Variable

    Recommended Credit Score

    Good to Excellent

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • Solid flat cash-back rate
    • You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
    • No annual fee

    Cons

    • Some other cards offer a higher rate of cash back on certain types of purchases

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    • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
    • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.
    • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

    Best uncapped rewards rate with no annual fee: US Bank Altitude Go

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

    Annual Fee

    $0

    Regular APR

    17.24% - 26.24% (Variable)

    Recommended Credit Score

    Good to Excellent

    4.5/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.5 out of 5 Stars

    Editor's Rating

    Apply Now Rates & Fees

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

    4.5/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.5 out of 5 Stars

    Editor's Rating

    Apply Now Rates & Fees

    Annual Fee

    $0

    Regular APR

    17.24% - 26.24% (Variable)

    Recommended Credit Score

    Good to Excellent

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • Great earning rate on dining (4x points = 4% back)
    • Good welcome bonus for a no-annual-fee card
    • Annual streaming credit

    Cons

    • No airline or hotel transfer partners
    • Few benefits compared to other rewards credit cards

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    • Intro 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.
    • 4X points on dining, takeout, and restaurant delivery.
    • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
    • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
    • 1X point on all other eligible purchases.
    • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.24% - 26.24%.
    • No Annual Fee
    • Points never expire
    • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay⟨™⟩ Plan.
    • Terms and conditions apply.

    Best for restaurants and other bonus categories: Citi Premier Card

    Citi Premier® Card

    Annual Fee

    $95

    Regular APR

    18.24% - 26.24% Variable

    Recommended Credit Score

    Good to Excellent

    4.3/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.3 out of 5 Stars

    Editor's Rating

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    Citi Premier® Card

    4.3/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.3 out of 5 Stars

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    Annual Fee

    $95

    Regular APR

    18.24% - 26.24% Variable

    Recommended Credit Score

    Good to Excellent

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • Strong bonus
    • Generous bonus categories

    Cons

    • Doesn't offer much in the way of statement credits or other perks
    • Citi ThankYou Rewards may not be as convenient as other points for US-based travelers

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    • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
    • Earn 3 Points per $1 spent at Restaurants and Supermarkets
    • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
    • Earn 1 Point per $1 spent on all other purchases
    • Annual Hotel Savings Benefit
    • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

    Best if dining is your top spending category: Citi Custom Cash Card

    Citi Custom Cash℠ Card

    Annual Fee

    $0

    Regular APR

    16.24% - 26.24% Variable

    Recommended Credit Score

    Good to Excellent

    4.7/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.7 out of 5 Stars

    Editor's Rating

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    Citi Custom Cash℠ Card

    4.7/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.7 out of 5 Stars

    Editor's Rating

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    Annual Fee

    $0

    Regular APR

    16.24% - 26.24% Variable

    Recommended Credit Score

    Good to Excellent

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • Flexibility to customize rewards by earning 5x points on up to $500 per billing cycle in your top spending category (from a list)
    • Generous welcome offer for a no-annual-fee card
    • No rotating bonus categories to sign up for or track
    • Earn valuable Citi ThankYou points which you can redeem for cash back, travel, gift cards, merchandise, and more

    Cons

    • Only earns 1% back outside of $500 in top spending category each billing cycle
    • Foreign transaction fee of 3%

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    • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
    • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
    • No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
    • No Annual Fee
    • Citi will only issue one Citi Custom Cash Card℠ account per person.

    Best for fast food: US Bank Cash Plus

    U.S. Bank Cash+® Visa Signature® Card

    Annual Fee

    $0

    Regular APR

    16.74% - 26.74% (Variable)

    Recommended Credit Score

    Good to Excellent

    4.5/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.5 out of 5 Stars

    Editor's Rating

    Apply Now Rates & Fees

    U.S. Bank Cash+® Visa Signature® Card

    4.5/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.5 out of 5 Stars

    Editor's Rating

    Apply Now Rates & Fees

    Annual Fee

    $0

    Regular APR

    16.74% - 26.74% (Variable)

    Recommended Credit Score

    Good to Excellent

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • Generous cash-back earning and welcome bonus for a no-annual-fee card
    • Ability to choose the best 5% and 2% cash-back categories for you
    • Introductory 0% APR offer on purchases and balance transfers

    Cons

    • 5% cash-back category is capped at $2,000 in purchases per quarter
    • Foreign transaction fees

    Read Our Review A looong arrow, pointing right

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    More Information

    • New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
    • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
    • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
    • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
    • 1% cash back on all other eligible purchases
    • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 16.74% - 26.74%
    • No Annual Fee
    • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay(TM) Plan.
    • Terms and conditions apply.

    Best for students: Capital One SavorOne Student Card

    Capital One SavorOne Student Cash Rewards Credit Card

    Annual Fee

    $0

    Regular APR

    16.49% - 26.49% (Variable)

    Recommended Credit Score

    Average, Fair, Limited

    4.2/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.2 out of 5 Stars

    Editor's Rating

    Apply Now

    Capital One SavorOne Student Cash Rewards Credit Card

    4.2/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.2 out of 5 Stars

    Editor's Rating

    Apply Now

    Annual Fee

    $0

    Regular APR

    16.49% - 26.49% (Variable)

    Recommended Credit Score

    Average, Fair, Limited

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • Good welcome bonus with an easy spending requirement
    • Strong 3% cash back earning in popular everyday spending categories for students like dining, entertainment, eligible streaming services, and grocery stores (excluding superstores like Walmart® and Target®)
    • No annual fee or foreign transaction fees

    Cons

    • Only available to college students

    Read Our Review A looong arrow, pointing right

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    More Information

    • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
    • Limited Time Offer: Earn $100 when you spend $100 in the first three months
    • Enjoy no annual fee, foreign transaction fees, or hidden fees
    • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
    • You can help build your credit with responsible use of a card like this
    • Be automatically considered for a higher credit line in as little as 6 months
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

    Best for lower credit scores or building credit: US Bank Altitude Go Secured

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

    Annual Fee

    $0

    Regular APR

    26.74% Variable

    Recommended Credit Score

    New/Rebuilding

    4.4/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.4 out of 5 Stars

    Editor's Rating

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

    4.4/5

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.4 out of 5 Stars

    Editor's Rating

    Annual Fee

    $0

    Regular APR

    26.74% Variable

    Recommended Credit Score

    New/Rebuilding

    Pros & Cons It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    • Great earning rates on dining, gas, streaming, and groceries
    • Build credit with responsible use over time and you may be able to automatically graduate to a non-secured card
    • Annual streaming credit

    Cons

    • Requires a security deposit ($300 minimum)
    • No welcome bonus

    Details It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

    • The information related to the U.S. Bank Altitude® Go Visa® Secured Card has been collected by Business Insider and has not been reviewed by the issuer.
    • Earn 4X points on dining, takeout and restaurant delivery
    • Earn 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations
    • Earn 1X point on all other eligible purchases
    • Earn $15 streaming credit for annual streaming service purchases like Netflix and Spotify®

    Compare the best credit cards for dining

    Amex Gold card

    The American Express® Gold Card is an excellent choice whether you like dining out or prefer eating at home. Along with a welcome bonus offer of 60,000 points after you spend at least $4,000 in your first 6 months of card membership, you'll earn:

    • 4x points at restaurants and on up to $25,000 in spending per calendar year at US supermarkets (then 1x)
    • 3x points on flights booked directly with airlines or through Amex Travel
    • 1 point per dollar on most other purchases

    The Amex Gold Card has a $250 annual fee, but two benefits can help you offset most of the yearly cost. You'll receive up to $120 per calendar year (up to $10 per month) in Uber Cash credits you can use toward eligible US Uber rides or Uber Eats purchases (the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

    In addition, cardholders get up to $120 in annual dining credits** (up to $10 per month) with participating food delivery services and restaurants. These include purchases with Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House (through August 1, 2022), Boxed (through August 1, 2022), and participating Shake Shack locations. Here's our Amex Gold card review for all the details.

    The American Express Membership Rewards points you earn with the card are incredibly flexible, too. You can redeem them for travel through the Amex Travel portal, transfer them to airline and hotel partners, or trade them in for gift cards, cash back, merchandise, and more.

    Chase Sapphire Reserve card

    The Chase Sapphire Reserve® earns 5x total Chase Ultimate Rewards points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (after earning the $300 travel credit) and 3x points on other travel and dining. It's currently offering 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

    Cardholders receive a complimentary DashPass membership, which waives delivery fees and offers lower service fees on orders of $12 or more. Chase recently extended the DashPass benefit and added $5 per month in DoorDash in-app credits (from April 2022 through December 31, 2024).

    While the Chase Sapphire Reserve® charges a $550 annual fee, it comes with premium benefits and rewards that can be well worth it if you take advantage of them. Cardholders receive $300 in credits toward eligible travel purchases made with their card each account anniversary year. You'll also get a complimentary Priority Pass airport lounge membership and excellent travel and shopping protections.

    With the Chase Sapphire Reserve®, you'll earn Chase Ultimate Rewards points which you can transfer to airline and hotel partners, such as United Airlines, Hyatt, and Air Canada Aeroplan. When you have the Chase Sapphire Reserve®, your points are worth 1.5 cents each (50% more) when you use them to book travel through the Chase Ultimate Rewards portal or redeem through Pay Yourself Back (including toward dining purchases through June 30, 2022). Read the Chase Sapphire Reserve card review to learn more.

    Chase Sapphire Preferred card

    If you want to earn Ultimate Rewards points but you don't want to pay the hefty annual fee for the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card is a great alternative. It also offers a free year of DashPass membership with DoorDash, extended until December 31 2024, and it earns 3x points on dining.

    Right now, it's offering a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Your points are worth 1.25 cents apiece when you use them to book travel through the Chase portal or with Pay Yourself Back, or you can transfer them to airline and hotel partners to potentially get even more value.

    With an annual fee of $95, the Chase Sapphire Preferred® Card is a good choice if you want solid dining and travel perks without breaking the bank. Read our Chase Sapphire Preferred card review to learn more.

    Capital One Savor card

    The Capital One Savor Cash Rewards Credit Card is a great pick for maximizing your restaurant spending if you prefer earning cash back to travel rewards. You'll earn 4% back on all dining purchases, entertainment, and eligible streaming services, 3% back on groceries, and 1% back on everything else with no caps.

    It's currently got a solid welcome offer: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months.

    There's a $95 annual fee, but if you prefer a no-annual-fee card, the Capital One SavorOne Cash Rewards Credit Card is also worth a look. You'll get a slightly lower rate of return on dining, select streaming, and entertainment — 3% instead of 4% — and you'll still earn 5% cash back on hotels and rental cars booked through Capital One Travel, 3% back on groceries and 1% back on everything else. To learn more about the card, check out our Capital One Savor Cash Rewards Credit Card review.

    Chase Freedom Flex card

    The Chase Freedom Flex℠ is marketed as a cash-back card, but it actually earns rewards in the form of Chase Ultimate Rewards points.

    The Chase Freedom Flex℠ comes with a welcome bonus offer of $200 after spending $500 on purchases in the first three months from account opening. It earns bonus rewards in a variety of categories, including dining. You'll earn 3% back (3x Chase Ultimate Rewards points) at restaurants and drugstores, and 5% cash back (5x points) on travel purchased through Ultimate Rewards.

    With the Chase Freedom Flex℠, you can earn 5% cash back (5x points) on up to $1,500 in combined spending in categories that rotate every quarter (then 1x) when you activate the bonus. Learn more in our Chase Freedom Flex card review.

    Chase Freedom Unlimited

    Similar to Chase Freedom Flex℠, the Chase Freedom Unlimited® is also framed as a cash-back card, but it earns Ultimate Rewards points. With this card, you can earn 1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back).

    If you don't want to worry about rotating categories, the Chase Freedom Unlimited® offers a simpler rewards structure. Outside of restaurants and drugstores (3% back) and Chase Travel purchases (5% back), you'll earn 1.5% back on all purchases (1.5x points) with no caps.

    Here's our comparison of the Chase Freedom Flex and Chase Freedom Unlimited to help you decide which card is better for you, and be sure to check out our Chase Freedom Unlimited card review.

    U.S. Bank Altitude Go Visa

    If you're looking for a no-annual-fee card that earns big rewards on dining without worrying about spending caps, the U.S. Bank Altitude® Go Visa Signature® Card is a very compelling choice. New cardholders can earn 20,000 bonus points after spending $1,000 in the first 90 days of account opening — worth $200 in cash back, travel, or gift cards.

    The U.S. Bank Altitude® Go Visa Signature® Card earns an uncapped 4x points (4% back) on dining, including takeout and delivery, 2x points (2% back) at grocery stores including grocery delivery, gas stations, and on streaming services, and 1 point per dollar on all other purchases. It also offers a $15 annual streaming bonus for eligible services like Netflix, Apple TV+, Spotify, and more. Read more in our US Bank Altitude Go card review.

    Citi Premier card

    The Citi Premier® Card flies under the radar as a credit card for restaurant spending, but if you're looking for an all-purpose card that earns bonus rewards in lots of categories — including dining — it's an excellent pick. Even better, the card is currently offering a bonus of 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

    With the Citi Premier® Card, you'll earn 3x points at restaurants, gas stations, supermarkets, hotels, and on airfare, and 1 point per dollar on all other eligible purchases. Citi ThankYou points don't always get as much attention as other rewards currencies, but they're incredibly versatile — you can transfer them to airline partners, use them to book travel through the Citi ThankYou portal, or redeem them for gift cards, cash back, merchandise, and more. Read the Citi Premier credit card review for more info.

    Citi Custom Cash card

    The Citi Custom Cash℠ Card is unique in that cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%), and 1% on all other purchases.

    Restaurants are one of the eligible categories — along with gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment. If dining out and ordering in are big expenses for you, using the Citi Custom Cash℠ Card for your purchases could earn you up to $25 in bonus cash back per month ($500 x 5% back).

    The Citi Custom Cash℠ Card is also offering a welcome bonus of $200 in cash back, fulfilled as 20,000 ThankYou® Points, after you spend $750 on purchases in the first 3 months of account opening. For a card with a $0 annual fee, this is a good deal. Just remember it only earns 1% back outside of your highest spending category each month, so other cards — like the Citi Premier® Card — may be a better fit if you want to earn more rewards in multiple categories. Read more about the card in our Citi Custom Cash card review.

    U.S. Bank Cash+® Visa Signature® Card (jump to U.S. Bank Cash+ card details »)

    Whether you're a road warrior who grabs quick meals on the go or a family that hits the drive-thru on busy school nights, the U.S. Bank Cash+® Visa Signature® Card could be your best choice for earning generous rewards on fast food.

    It's unique in that cardholders can earn 5% cash back on two eligible categories (from a list) of their choice, on up to $2,000 in combined purchases each quarter (then 1% back). The list includes fast food, plus prepaid air travel, hotel stays, and car reservations booked directly in the Rewards Travel Center online portal, home utilities, TV, internet, and streaming services, department stores, electronic stores, cell phone providers, sporting goods stores, furniture stores, movie theaters, gyms and fitness centers, ground transportation, and select clothing stores.

    You'll also get to choose a 2% cash back "everyday" category from restaurants, gas and EV charging stations, or grocery stores, and earn 1% cash back on all other eligible purchases. Here's our US Bank Cash+ card review for more details.

    This no-annual-fee card comes with a good welcome bonus offer: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening. After account opening, you'll also qualify for a 0% intro APR on purchases and balance transfers for the first 15 billing cycles (then a 16.74% - 26.74% (Variable) APR).

    Capital One SavorOne Student card

    The new Capital One SavorOne Student Cash Rewards Credit Card is a great choice if you're new to credit and looking for a cash-back card that earns bonus rewards in popular categories. Student credit cards are often easier to get approved for if you don't have a long credit history, and this card doesn't charge an annual fee or foreign transaction fees.

    Cardholders earn 3% cash back on dining, entertainment, eligible streaming services, and grocery stores (excluding superstores like Walmart and Target), and 1% back on everything else.

    The Capital One SavorOne Student Cash Rewards Credit Card comes with a decent range of benefits, including price protection***, extended warranty***, car rental coverage***, and complimentary concierge services. As with other Capital One cards, you'll automatically be considered for a higher credit line in as little as six months from account opening. Learn more in our Capital One SavorOne Student Cash Rewards card review.

    U.S. Bank Altitude Go secured card

    If you're brand new to credit or rebuilding your credit, a secured credit card like the no-annual-fee U.S. Bank Altitude® Go Visa® Secured Card can help you improve your credit score when you use it responsibly. And unlike most credit cards for bad credit, this card earns generous rewards, particularly on dining out.

    Like its non-secured version (the U.S. Bank Altitude® Go Visa Signature® Card), the U.S. Bank Altitude® Go Visa® Secured Card earns 4x points on dining (including takeout and delivery), 2x points at grocery stores (including grocery delivery), gas stations (including EV charging), and on streaming services, and 1 point per dollar on all other purchases. Cardholders also get the same $15 annual bonus for eligible streaming services.

    The biggest difference is that the U.S. Bank Altitude® Go Visa® Secured Card doesn't have a welcome bonus offer, and you'll have to put down a security deposit of $300 to $5,000 (which becomes the amount of your credit limit). However, after you show a history of responsible use, you may be able to "graduate" to the U.S. Bank Altitude® Go Visa Signature® Card and have your security deposit returned down the road.

    How to choose the best dining credit card for you

    The best rewards credit card for your restaurant spending depends on the types of rewards you like to earn and if you'll use the card for other purchases. Some cards offer a high earning rate on dining but might not be a good fit for your other spending, while others come with a decent rate of return at restaurants and additional everyday spending categories.

    If you're planning to apply for a new credit card to use on restaurant spending, you should also consider the welcome bonus offer — some cards currently come with record-high offers — as well as the annual fee, benefits, and redemption options.

    Dining credit card frequently asked questions (FAQ)

    What counts as dining as a credit card bonus category?

    Each card issuer has a slightly different definition of dining or restaurants, but generally speaking, dining credit cards will earn bonus rewards in that category at sit-down restaurants and fast-food joints, and possibly cafés, bars, lounges, or food delivery services.

    Whether or not an establishment triggers a credit card dining bonus depends on the merchant category code (MCC) the vendor uses and the specific rules for the card issuer. Here's what the major banks included in this guide consider dining:

    • American Express: Sit-down restaurants, fast-food restaurants, and some delivery services (like Grubhub and Uber Eats). What doesn't count: Bars, nightclubs, convenience stores, supermarkets, grocery stores, cafeterias, caterers, theatre clubs, breweries, bakeries and meeting venues, and restaurants inside another establishment (like a hotel)
    • Capital One: Restaurants, cafés, bars, lounges, fast-food chains, bakeries. What doesn't count: Outlets such as food trucks or food carts that may use a "merchandise" code, restaurants in department stores or hotels
    • Chase: Sit-down restaurants, fast-food restaurants, delivery services (if they classify as a restaurant merchant). What doesn't count: Merchants that sell food and drinks located within facilities such as sports stadiums, hotels and casinos, theme parks, grocery, and department stores, bakeries, caterers, and gift card merchants
    • Citi: Restaurants (including cafes, bars, lounges and fast-food restaurants). What doesn't count: Bakeries, caterers, and restaurants located inside other establishments (like hotels, department stores, grocery stores, discount and convenience stores, or warehouse clubs)
    • US Bank: Restaurant, fast-food restaurants, or bars. What doesn't count: On the U.S. Bank Cash+® Visa Signature® Card, fast-food restaurants are a separate category from dining (which doesn't include fast food)

    Which card earns the most for dining and restaurants?

    In terms of cash back, you'll find the highest earn rate on the Citi Custom Cash℠ Card (5% back, if restaurants is your biggest spending category that billing cycle) and U.S. Bank Cash+® Visa Signature® Card (5% back, when you choose fast food as one of your 5% categories).

    If you don't want to fuss with choosing categories or worrying about your highest spend category, the Capital One Savor Cash Rewards Credit Card (4% back on dining) and U.S. Bank Altitude® Go Visa® Secured Card (4x points on dining, effectively 4% back) are the next best picks.

    For earning flexible points you can redeem for travel, it's hard to beat the American Express® Gold Card (4x points).

    How can I earn more rewards on dining?

    Even if you're already using a credit card that earns bonus cash back or points at restaurants, it's possible to stack your earnings by registering your card with an airline or hotel dining program. These platforms award you bonus rewards when you use your card at a participating restaurant, and they're free to join.

    Powered by Rewards Network, here are some of the more popular options:

    There are also programs that earn bonus cash back and other rewards; you can find the full list of Rewards Network dining programs here.

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    Jasmin Baron, CEPF

    Editor

    Jasmin Baron is an editor at Insider, responsible for credit card coverage on Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF).Before joining the Insider team, she was a senior editor at The Points Guy and Million Mile Secrets, covering credit cards, points and miles, and loyalty programs. Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.You can reach Jasmin at jbaron@insider.com. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »

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