We Rank The 8 Best Credit Cards For Dining Out

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Eating out can get expensive if you aren’t careful. You might save some money clipping coupons for restaurants, but that takes time and not all restaurants offer coupons.

But, if you use the right credit card, you may earn cash back or points from your favorite restaurants. You can even get points buying gift cards to your favorite restaurants.

Which are the best credit cards for restaurants? Let’s get into it.

Ranked in order from best to worst:

1. Capital One Savor Rewards

Overview

The Capital One Savor Rewards card offers a great 4% cash back on dining, plus you can earn cash back in other ways too. If you love dining out and going out for entertainment, you’ll get the best bang for your buck with the Capital One Savor Rewards card. And you’ll be quite pleased with this card’s entertainment category since it’s generously inclusive.

Annual Fee

$95

Bonus Points

If you spend $3,000 or more within three month of opening a Savor Rewards card, you’ll get a $300 bonus.

What you can Earn

  • 4% cashback on dining
  • 4% cashback on entertainment
  • 4% cashback on streaming services
  • 3% cashback on groceries

Where can I sign up?

Sign up here.

Pros:

  • The earnings are unlimited
  • Rewards never expire
  • You can redeem points in any denomination

Cons:

  • No introductory APR
  • Balance transfer APR is high – up to 23.99%

2. Chase Freedom Unlimited

Overview

If you’d prefer a credit card with no annual fee, the Chase Freedom Unlimited card is a great option. You can earn 3x points on all dining purchases, plus there are other ways to earn points.

Related: Get an easy $225 bonus by opening a Chase checking account.

You’ll need good credit to get approved, and there’s no minimum threshold to meet to cash out your points.

Annual Fee

$0

Bonus Points

If you spend $500 or more within three months of opening a Chase Freedom Unlimited card, you’ll get a $200 bonus. It’s only one-third of the Chase Sapphire Preferred bonus, but it’s a lot easier to get there. And hey, no annual fee!

If you don’t spend over $4,000 in three months, definitely go with this card over the Sapphire Preferred.

What you can Earn

  • 3x points on dining (including takeout)
  • 5x points on grocery purchases (does not include Target or Walmart)
  • 5x points on travel booked through Chase Ultimate Rewards
  • 3x points on drug store purchases
  • 1.5x points on all other purchases

Where can I sign up?

Sign up here.

Pros:

  • No annual fee
  • Cashback rewards never expire
  • 0% APR for the first 15 months

Cons:

  • You need good to excellent credit to qualify
  • The category earnings can get confusing

3. Chase Sapphire Preferred Card

Overview

The Chase Sapphire Preferred card is great for travelers and diners. You’ll earn the most cash back on dining out, and that includes takeout.

You can boost your earnings by using your points to book travel through Chase, but you also have the option to cash out a lower value.

Annual Fee

$95 per year

Bonus Points

When you spend $4,000 or more within three months of opening a Sapphire Preferred card, you’ll earn 60,000 bonus points. That’s $600 worth of cash if you decide to redeem via cash back. Highly consider this if you tend to spend that much over three months. This is where the Sapphire Preferred card really shines.

What you can Earn

  • 3x points for dining out (including takeout)
  • 5x points for travel booked through Chase Ultimate Rewards
  • 2x points for travel booked any other way
  • 3x points on groceries
  • 3x points on streaming services
  • 1x points on everything else

Where can I sign up?

Sign up here.

Pros:

  • There are many ways to earn bonus points, including dining out or traveling
  • You can earn bonus points on each anniversary date (10% of your total purchases)
  • You can break your payments up on the My Chase Plan with equal payments and no interest

Cons:

  • Everyone pays the $95 annual fee
  • You need great credit to qualify

4. US Bank Altitude Go

Overview

If you want a credit card with no annual fee and incredible rewards, go with the US Bank Altitude Go credit card. It’s an especially attractive card if you dine out often, but you also get great rewards for grocery shopping as well as basic rewards for regular purchases.

Annual Fee

$0

Bonus Points

If you spend $1,000 or more within three months of opening an Altitude Go card, you’ll get a $200 bonus.

What you can Earn

  • 4x points on dining out
  • 2x points on grocery shopping
  • 2x points on gas purchases
  • 2x points on streaming services
  • 1x points on everything else

Where can I sign up?

Sign up here.

Pros:

  • Your points never expire
  • 0% APR for the first 12 months
  • No annual fee

Cons:

  • Entertainment spending doesn’t count for cash back
  • You need excellent credit to qualify

5. American Express Gold Card

Overview

The American Express Gold card pays cash back for purchases, including dining, but they also offer some great ways to earn bonuses on your dining out. While the main benefits are for eating out, you’ll earn 1% cash back on all purchases aside from eating out. It has similar 4x points as the Capital One Savor card, but with a much higher annual fee.

Consider this if you think you’ll be able to capitalize on the higher bonus payout within three months.

Annual Fee

$250

Bonus Points

If you spend $4,000 or more within three months of opening a Gold card, you’ll get a $600 bonus.

What you can Earn

  • 4x points on dining out
  • 4x points on groceries
  • 3x points on travel
  • Earn up to $120 a year in UberCash for using your American Express Gold card at UberEats or Uber rides ($10 per order)
  • Earn up to a $120 dining credit for using Grubhub, Seamless, or ordering out at Cheesecake Factory, Ruth’s Chris, Boxed, or Shake Shack ($10 per order)
  • 1x points on everything else

Where can I sign up?

Sign up here.

Pros:

  • Comes with personalized travel services
  • No foreign transaction fees
  • Includes personalized rewards for shopping and entertainment

Cons:

  • The annual fee is steep
  • The higher cashback is on dining out only, not entertainment

6. Costco Visa Anywhere Card by Citi

Overview

The Costco City Visa Anywhere card by Citi is exclusive for Costco members, but it offers many benefits. Shockingly, you get higher cashback percentages on dining out than you do your Costco purchases, so it’s worth it for Costco members that also like to eat out. Since you already pay your Costco membership, there’s no annual fee which is a nice feature.

Annual Fee

$0 (except Costco membership fee)

Bonus Points

Unfortunately, no sign-on bonuses exist for this card.

What you can Earn

  • 3% cashback on restaurants and travel
  • 4% cashback on gas up to $7,000 in the first year, but 1% afterward
  • 2% cashback on Costco purchases
  • 1% cashback on all other purchases

Where can I sign up?

Sign up here.

Pros:

  • You earn cashback as an annual credit on your statement
  • No foreign transaction fees
  • No annual fee

Cons:

  • Only Costco members qualify
  • The APR is high

7. Bank of America Premium Rewards Credit Card

Overview

The Bank of America Premium Rewards credit card pays double points for dining out, along with several other categories including grocery shopping. It’s a great everyday credit card to carry, especially if you love eating out. You can redeem your points via cash back, statement credit, direct deposit, or gift cards.

Annual Fee

$95

Bonus Points

If you spend $3,000 or more within three months of opening a Premium Rewards card, you’ll get a $500 bonus.

What you can Earn

  • 2x points for dining
  • 2x points for travel
  • 2x points for groceries
  • 1.5x on all other purchases

Where can I sign up?

Sign up here.

Pros:

  • No limit to the amount you can earn
  • You can deposit your funds in an eligible Merrill account including your child’s 529 Savings plan
  • No foreign transaction fees

Cons:

  • No introductory APR
  • 3% balance transfer fee

8. Discover It Secured Credit Card

Overview

If you have bad credit and can’t get approved for the traditional rewards credit cards above, consider the Discover It Secured credit card. You’ll earn cashback on dining purchases, and you won’t need great credit to qualify.

You will need a security deposit down on the account, which becomes your credit line, but it will help you build credit. You’ll get the benefit of improving your credit score with on time payments and earning cashback on dining out and other purchases.

Annual Fee

$0

Bonus Points

If you spend $4,000 or more within the first six months, you’ll get a $600 bonus.

What you can Earn

  • 2% cashback on dining out
  • 2% cashback at gas stations
  • 1% cashback on all other purchases

Where can I sign up?

Sign up here.

Pros:

  • Discover matches your cashback dollar-for-dollar for the first year
  • No annual fee
  • You’ll build your credit and earn money back

Cons:

  • You need to make a security deposit
  • You’ll lose your security deposit if you miss a payment

What to Look for in a Credit Card for Restaurants

When you’re looking at your options for a credit card for restaurants, focus on these key areas:

Annual Fee

  • The annual fee can be high if you aren’t careful. Make sure your rewards will total more than the annual fee to ensure you get the most out of the car.

Rewards

  • Make sure the credit card offers rewards where you’ll use it. Most restaurant credit cards are good at any restaurant, but some are also good for takeout or delivery.

Fees

  • Read the fine print on the fees. The annual fee is one fee, but there may be other fees they charge including statement fees, over the credit limit fees, and other fees.

Reward categories

  • Pay close attention to the reward categories. Not all credit cards offer rewards for the same categories year-round. If the categories rotate, you may want to look at other cards for your restaurant rewards.

Rewards expiration

  • Don’t assume all credit cards let the points accumulate indefinitely. Some credit card points expire if you don’t redeem them within a certain amount of time or if you don’t use your credit card for a certain period.

Final Thoughts

If you’re looking for the best credit cards for restaurants, you have many options. Knowing where you’ll use the card and what kind of rewards you want helps. Of course, if the card pays cashback for general purchases too, your savings can add up even more.