Are you a foodie that loves to eat out? Get rewarded for your restaurant spending if you pay with a credit card that offers bonus cash back or points on dining. With the average American spending so much on dining, having the right card in your pocket will maximize your rewards.
For a more comprehensive list, see our best credit card bonuses here.
We’ve sifted through all the rewards cards available to come up with a list of our favorite dining credit cards. Check them out below or for other spending categories, check out Best Credit Cards For Earning Points & Miles.
| Best Overall Credit Cards For Dining | American Express® Gold Card Chase Sapphire Preferred® Card Chase Sapphire Reserve® |
| Best Cashback Credit Card For Dining | Capital One® Savor® Cash Rewards Credit Card |
| Best No-Annual-Fee Credit Cards For Dining | Capital One SavorOne Cash Rewards Credit Card Chase AARP Credit Card Wells Fargo Propel American Express Card |
| Best Hotel Credit Cards For Dining | Hilton Honors American Express Surpass® Card Marriott Bonvoy Brilliant™ American Express® Card The World of Hyatt Credit Card |
| Best Business Credit Cards For Dining | The Hilton Honors American Express Business Card Ink Business Cash® Credit Card Marriott Bonvoy Business™ American Express® Card |
What We Considered
We looked at a variety of factors when we made our best dining credit cards list, including:
- Welcome bonus
- Earning potential
- Annual fee
- Point value
- Rewards simplicity
- Dining-focused perks
- Additional benefits
- Rates & fees
The Best Overall Credit Cards For Dining
AMERICAN EXPRESS® GOLD CARD
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The American Express® Gold Card has a welcome bonus for 60,000 Membership Rewards Points when you spend $4,000 within 6 months.
Membership Rewards Points have great flexibility. We value each point to be worth up to an average 2 cents per point. At this value, 60k Membership Rewards Points can be worth up to $1,200.
The Amex Gold Card has plentiful perks. You’ll get:
- Choice between Gold or Rose Gold.
- 4X points at restaurants, including takeouts and deliveries in the U.S.
- 4X points at U.S. supermarkets on up to $25,000 per year in purchases (1X thereafter)
- 3X points on flights booked directly with airlines or on amextravel.com
- Up to $120 in annual dining credits (get up to $10 monthly statement credits)
- No foreign transaction fees
The annual fee is $250. See Rates & Fees, Terms Apply.
CHASE SAPPHIRE PREFERRED® CARD
The Chase Sapphire Preferred® Card currently has an offer for 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Redeeming the 60,000 bonus points through the Chase Ultimate Rewards program, which is praised by users, will get you $750 in value towards travel. The 60K bonus points are worth $750 because you get 25% more value whenever you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
Even better, strategize with Chase Ultimate Rewards points transfer partners to potentially get even more value. Each point can be worth up to 2 cents apiece (60k points = ~$1,200). Read more on this here.
CHASE SAPPHIRE RESERVE®
The Chase Sapphire Reserve® card is offering 80,000 bonus points (worth up to $1,600 in travel per our valuations). You’ll need to spend $4,000 on purchases in the first 3 months from account opening to qualify for the bonus. These 80k points are redeemable for $1,200 toward travel through Chase Ultimate Rewards.
This is a premium travel card with a premium annual fee of $550. But, you’ll receive premium benefits such as 5X points on air travel, 10x points spent on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after earning your $300 annual travel credit, 3X points on all other travel and dining, and 1 point per dollar spent on all other purchases.
The card also features an application fee credit (up to $100) for Global Entry or TSA Pre✓®, access to 1,300+ airport lounges with Priority Pass Select, and 50% more in travel redemption through Chase Ultimate Rewards. With Pay Yourself BackSM, your points are worth 50% more for existing purchases in select, rotating categories.
The Best Cashback Credit Card For Dining
CAPITAL ONE® SAVOR® CASH REWARDS CREDIT CARD
The Capital One® Savor® Cash Rewards Credit Card is offering a $300 bonus when you spend $3,000 on purchases within the first 3 months.
This card earns unlimited 4% cash back rewards on dining and entertainment spending. You’ll get 2% cash back at grocery stores and 1% on all other purchases.
There are no foreign transaction fees and the annual fee is waived for the first year. The fee is $95 after the first year.
The Best No-Annual-Fee Credit Cards For Dining
CAPITAL ONE® SAVORONE® CASH REWARDS CREDIT CARD
The Capital One® SavorOne® Cash Rewards Credit Card has a $200 bonus when you spend $500 on purchases within 3 months of account opening. This card has no annual fee. The annual-fee version of this card is the Capital One® Savor® Cash Rewards Credit Card.
This SavorOne card earns unlimited 3% cash back on dining and entertainment spending. Grocery store spending earns 2% cash back. All other purchases earn 1% cash back. There are no rotating categories to worry about and the cash back won’t expire while the account is open.
AARP CARD FROM CHASE
The AARP Card from Chase doesn’t currently have a sign-up bonus offer, but earns a high rewards rate on Restaurant and Gas station spending. You’ll get 3% cash back on both of these spending categories. All other purchases will earn the standard 1% cash back.
There are no caps to the cash back you can earn with this No Annual Fee card, and the rewards will never expire as long as your account is open.
WELLS FARGO PROPEL AMERICAN EXPRESS® CARD
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Wells Fargo Propel American Express® Card has an offer for 20,000 bonus points. Earn 20,000 bonus points when you spend $1,000 on purchases in the first 3 months. These bonus points are valued at $200 in cash redemption value.
This card has no annual fee (See Rates & Fees, Terms Apply) and a nice rewards structure. You’ll earn 3 points per dollar on the following:
- Eating out and ordering in
- Gas stations, rideshares, and transit
- Flights, hotels, homestays, and car rentals
- Popular streaming services
All other purchases will earn 1 point per dollar.
The Best Hotel Credit Cards For Dining
HILTON HONORS AMERICAN EXPRESS SURPASS® CARD
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Hilton Honors American Express Surpass® Card has an offer for 130,000 Hilton Honors bonus points when you spend $2,000 within 3 months of account opening. The total 130k bonus points are worth around $780 per our valuation.
Earn 12 points per $1 spent on a hotel or resort within the Hilton Portfolio. This chain of hotels consists of over 5,000 locations. Earn 6 points per $1 on purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations. All other purchases will earn 3 points per $1.
Other benefits include complimentary Gold Status and a Weekend Night Reward after you spend $15,000 on purchases in a calendar year.
The card has an annual fee of $95 (See Rates & Fees, Terms Apply).
MARRIOTT BONVOY BRILLIANT™ AMERICAN EXPRESS® CARD
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Marriott Bonvoy Brilliant™ American Express® Card has an offer for 75,000 bonus points after spending $3,000 in the first 3 months. We value these 75k points at around $675.
This card earns 6 points per $1 at hotels participating in the Marriott BonvoyTM program and 3 points at U.S. restaurants and on flights booked directly with airlines. You’ll receive 2 points per $1 spent on all other purchases.
You’ll get a Free Night Award (redemption level up to 50,000 points) every account anniversary year, and up to $300 in statement credits each year for eligible purchases at hotels participating in the Marriott BonvoyTM program. Resort fees may apply. Other benefits include unlimited airport lounge visits with the Priority Pass Select membership and no foreign transaction fees.
This premium card comes with an Annual Fee of $450. See Rates & Fees, Terms Apply.
THE WORLD OF HYATT CREDIT CARD
The World of Hyatt Credit Card from Chase has an offer for up to 60,000 Bonus Points. Earn 30,000 bonus points after you spend $3,000 on purchases within the first 3 months. Get another 30,000 bonus points with 2 Bonus Points per $1 spent on purchases that earn 1 Bonus Point up to $15,000 in the first 6 months of account opening. Our valuations put 60k points at around $1,020 in value.
You’ll earn up to 9 points total per $1 spent at Hyatt with this card. That’s 4 bonus points per $1 with the card and 5 base points per $1 as a World of Hyatt member. The card also earns 2 bonus points per $1 spent at restaurants, on airline tickets bought directly from airlines, on local transit and commuting, and on fitness club and gym memberships.
This card has a $95 annual fee.
The Best Business Credit Cards For Dining
THE HILTON HONORS AMERICAN EXPRESS BUSINESS CARD
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Hilton Honors American Express Business Card has an offer for 130,000 Hilton Honors Bonus Points and a Free Night Reward after you $5,000 in purchases within 3 months of Card Membership. We value these 130k points to be worth around $780. Also, earn a Free Night Reward after you spend $10,000 in the first 6 months. Limited time offer ends 12/21/22.
This card earns 12 points per $1 on purchases made directly with hotels and resorts in the Hilton portfolio. It earns 6 points per $1 on select business purchases:
- U.S. gas stations
- Wireless telephone services purchased directly from U.S. service providers
- U.S. purchases for shipping
- U.S. restaurants
- Flights booked directly with airlines or with Amex Travel
- Car rentals booked directly from select car rental companies
All other purchases will earn 3 points per $1.
Spend $15,000 on purchases in a calendar year and you’ll earn a Weekend Night Reward. Earn another Weekend Night after you spend an additional $45,000 in purchases on your Card in the same calendar year. You’ll also get free Hilton Honors Gold Status with this card.
There are no foreign transaction fees and the annual fee is $95. See Rates & Fees, Terms Apply.
INK BUSINESS CASH® CREDIT CARD
The Ink Business Cash® Credit Card from Chase has an offer for $900 bonus cash back (90,000 Ultimate Rewards points) when you spend $6,000 on purchases in the first 3 months after account opening. This card has no annual fee.
This card earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. It also earns 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each anniversary year. All other purchases earn an unlimited 1% cash back.
You can redeem your rewards for cash back, gift cards, travel and more.
The Ink Business Cash® Credit Card earns Chase Ultimate Rewards. This allows for more redemption possibilities when paired with other Chase Ultimate Rewards cards (e.g. Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card). Pair it with one of these cards, use the available transfer partners, and 75k Ultimate Rewards points can be worth up to $1,500 in value.
MARRIOTT BONVOY BUSINESS™ AMERICAN EXPRESS® CARD
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Marriott Bonvoy Business™ American Express® Card has a limited time offer for 75,000 bonus points when you spend $3,000 on purchases within the first 3 months of Card Membership. We value these 75k points to be worth around $675.
This card earns 6 points per $1 at participating hotels in the Marriott BonvoyTM program. It’s 4 points per $1 at U.S. restaurants and U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. And 2 points per $1 on all other purchases.
Every year after your account anniversary you’ll get 1 free night award. You can earn an additional free night award after spending $60,000 in purchases in 1 calendar year.
There are no foreign transaction fees and the annual fee is $125. See Rates & Fees, Terms Apply.
Additional Guides
While we focused on dining credit cards in this post, you’ll want to choose a card with additional earning potential that matches your spending behavior. For our guide on the best credit cards in other categories, check out these other posts:
Bottom Line
There are so many options when it comes to credit cards for dining rewards. All the cards above make our “best of” cut because they offer a great combination of strong earning rate on dining purchases, high point value, reasonable annual cost and more. For further reading, see Best Credit Cards For Earning Points & Miles By Spending Category.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
Trending Checking Account Deal:
Unlock Your Trading Potential with Interactive Brokers – Click Here to Learn More!
