Best Credit Cards for Restaurants and Dining Out

If you eat out regularly, use a credit card that pays you back.

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 for lunch regularly or wants to dine out on a budget, 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.

Best Credit Cards for Restaurants and Dining Out at a Glance
Credit CardAPRIntro OfferRelevant RewardsAnnual Fee
Discover it Cash Back
  • 0% intro APR for 14 months on purchases and balance transfers
  • 13.99% to 24.99% APR
Match all of the cash back you’ve earned at the end of your first year, automaticallyEarn 5% cash back at different places each quarter, including restaurants$0
Savor Rewards From Capital One
  • 13.74% to 25.74%
Earn a one-time $500 cash bonus once you spend $3,000 on purchases within three months from account openingEarn unlimited 4% cash back on dining and entertainment$0 intro for the first year, $95 after that
SavorOne Rewards From Capital One
  • 0% intro APR on purchases for 15 months
  • 13.74% to 25.74% APR
Earn a one-time $150 cash bonus after you spend $500 on purchases within the first three months from account openingEarn 3% cash back on dining$0
Wells Fargo Propel American Express Card
  • 0% introductory APR for 12 months
  • 14.49% to 26.99% APR
30,000 bonus points when you spend $3,000 in purchases in the first three months — a $300 cash valueEarn 3x points on eating out and ordering in$0
Chase Freedom
  • 16.99% to 25.74%
Earn a $150 bonus after spending $500 on purchases in your first three months from account openingEarn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate$0
The Citi Double Cash Card
  • 0% intro APR for 18 months on balance transfers
  • 15.49% to 25.49% APR
N/AEarn 2% cash back on all purchases: 1% when you buy plus 1% as you pay$0
Discover it Gas and Restaurants
  • 0% intro APR for 14 months on purchases and balance transfers
  • 13.99% to 24.99% APR
Match all of the cash back you’ve earned at the end of your first year, automaticallyEarn 2% cash back at restaurants on up to $1,000 in combined purchases each quarter$0
Chase Sapphire Preferred
  • 17.99% to 24.99%
Earn 50,000 bonus points after you spend $4,000 on purchases in the first three months from account openingEarn 2x points on dining worldwide$0 intro for the first year, then $95
AARP Credit Card From Chase
  • 18.24% to 24.99%
$100 bonus cash back after you spend $500 on purchases in the first three months from account openingEarn 3% cash back rewards on purchases at restaurants$0
Uber Visa Card
  • 16.99%, 22.74% or 25.74%
Up to a $50 credit for online subscription services after you spend $5,000 or more on your card per yearEarn 4% back on purchases made through Uber Eats and at restaurants and bars$0
Rates depend on creditworthiness and are accurate as of Dec. 11, 2018

Discover it Cash Back

The Discover it Cash Back card could be the best credit card for restaurants. The card boasts a sizable 5 percent cash back on rotating offers like restaurants, grocery stores and gas stations. In addition, this Discover card offers a cash-back match at the end of your first year — which means more money for dining out.

Discover it Cash Back isn’t just the best credit card for restaurants; this card is also great for people who need a balance-transfer credit card. Get 0% APR for the first 14 months. Read a complete review of the Discover it card.

Savor Rewards 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 percent cash back on dining and entertainment, 2 percent at grocery stores and 1 percent on everything else. You will savor the rewards even more by earning a one-time $500 cash bonus when you spend $3,000 on purchases in the first three months of your account opening. This card is the best credit card for dining out if you will be spending enough to offset the annual fee of $95.

SavorOne Rewards From Capital One

The Capital One SavorOne Rewards credit card is the best dining credit card — especially if you are looking for a card with no annual fees. This card offers 3 percent cash back on dining and entertainment, 2 percent cash back on grocery purchases and 1 percent for everything else. This contender for best dining rewards credit card offers a $150 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% APR for the first 15 months, no annual fee and cash back on dining, this one could be your ticket to big savings.

Related: Best Capital One Credit Cards

Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express Card makes the list for the best credit card for restaurants by offering 3x points on ordering out, dining in, gas, ride-shares, flights, hotels, transportation, homestays and streaming services. If you spend $3,000 in the first three months, you will earn 30,000 bonus points — which is equal to a cash redemption value of $300. This is the best dining credit card if you like earning points on a variety of purchases. It’s also ideal if you prefer holding a card with no annual fee and 0% APR for a full year. See a full roundup of the best Wells Fargo credit cards.

Chase Freedom

The Chase Freedom card gives you the freedom to earn 5 percent cash back on up to $1,500 in combined purchases in specific bonus categories each time you activate, as well as 1 percent cash back on all other purchases. This could potentially be the best dining credit card if you activate the 5 percent bonus rewards during months where dining becomes available as a category. You can also earn a $150 bonus after spending $500 on purchases in the first three months from the account opening. This card is for you if you want a card with an annual fee of $0 and a 0% intro APR for 15 months on purchases and balance transfers. The $150 bonus could fund the purchase of a fancy feast.

Which Card Is Better? Chase Freedom vs. Chase Freedom Unlimited

The Citi Double Cash Card

The Citi Double Cash Card has a plain and simple point breakdown. Earn 2 percent cash back in total on purchases — 1 percent when you buy and 1 percent as you pay off your balance. This makes it one of the best cash-back credit cards. The Citi Double Cash Card is also one of the best dining rewards credit cards, especially if you want to earn rewards for everything you buy. This Citi card also offers no annual fee and a 0% intro APR for 18 months on balance transfers. Although you won’t earn any bonus cash for spending a certain amount, you can reap plenty of rewards by earning double cash back — enough money for double the dinner.

Discover it Gas and Restaurants

For those looking for the best credit card for restaurants, look no further than the Discover it Gas and Restaurants card. This card gives you 2 percent back on what you spend the most on every day — like dining and gasoline purchases of up to $1,000 every quarter — and 1 percent on everything else. On top of the 2 percent cash back, this Discover card will match all of the cash back you have earned at the end of your first year. This card is best for people looking to be rewarded for spending money at restaurants and looking for a card with no annual fee and a 0% APR for the first 14 months on purchases and balance transfers. See how Discover it Gas and Restaurants compares to the best Discover credit cards.

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 two points on dining worldwide and two points on travel — like airfare and hotels. This dining rewards card also gives you 50,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. This is a contender for being one of the best credit cards for restaurants because it offers a high point structure on dining and travel and bonus rewards. This card does have a $95 annual fee, so if you see yourself spending enough to offset the cost of the annual fee and you like to try cuisine while around the world, then this card is for you. Compare the Sapphire Preferred to other Chase credit card options.

AARP Credit Card From Chase

The AARP Credit Card from Chase makes our list of the best dining credit cards because it gives users a whopping 3 percent cash back on purchases at restaurants, including fine dining and fast food. Not only will you receive healthy rewards for purchases at restaurants, but you will also earn 3 percent on purchases at gas stations. As a bonus offer, you can earn $100 in bonus cash after spending $500 on purchases in the first three months of your account opening. This card is best for people looking to earn an unlimited 3 percent on dining and gas purchases for a $0 annual fee.

Uber Visa Card

The Uber Visa Card should be on your radar as one of the best credit cards for dining out. The Uber Visa Card offers 4 percent back on purchases made through Uber Eats and at restaurants and bars — giving you more spending power every time you eat. The card also offers 3 percent back on hotels, airfare and vacation home rentals; 2 percent back for online purchases, including Uber, online shopping, and video and music streaming services; and 1 percent back on all other purchases. Read a detailed Uber Visa Card review.

Besides the wide array of ways to earn points, you will also receive up to a $50 credit for online subscription services after you spend $5,000 or more on your card per year, and up to $600 for mobile phone damage or theft when you pay your mobile phone bill with your card. The card has no foreign transaction fees. This card is best for someone who is always ready to eat and wants a card with no annual fee.

Read more about how foodies can make the most of their credit cards.

More on Credit Cards

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