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Best Credit Cards for Dining Out

 Dining out can be a significant expense, but with the right credit card, you can earn valuable rewards and cashback on your restaurant bills. In this article, we’ll explore the best credit cards for dining out, detailing their features, benefits, and why they stand out.


  1. American Express® Gold Card

    • Rewards Rate: 4x Membership Rewards® points at restaurants, including takeout and delivery.
    • Sign-Up Bonus: Earn 60,000 Membership Rewards® points after spending $4,000 in the first 6 months.
    • Annual Fee: $250
    • Why It's Great: High rewards rate on dining and a generous sign-up bonus make this card ideal for foodies.

  2. Chase Sapphire Preferred® Card

    • Rewards Rate: 2x points on dining and travel, 1x points on all other purchases.
    • Sign-Up Bonus: Earn 100,000 bonus points after spending $4,000 in the first 3 months.
    • Annual Fee: $95
    • Why It's Great: Excellent rewards on dining and travel, plus valuable travel protections and benefits.

  3. Capital One Savor Cash Rewards Credit Card

    • Rewards Rate: 4% cash back on dining and entertainment, 3% at grocery stores, 1% on all other purchases.
    • Sign-Up Bonus: Earn $300 cash bonus after spending $3,000 in the first 3 months.
    • Annual Fee: $95 (waived for the first year)
    • Why It's Great: High cash back rate on dining and entertainment, making it perfect for those who love to eat out and enjoy live events.

  4. Chase Freedom Flex℠

    • Rewards Rate: 5% cash back on rotating categories each quarter (up to $1,500 in combined purchases) after activation, 3% on dining and drugstores, 1% on all other purchases.
    • Sign-Up Bonus: Earn $200 bonus after spending $500 in the first 3 months.
    • Annual Fee: $0
    • Why It's Great: Flexible rewards structure and no annual fee, with a high cash back rate on dining.

  5. Citi Prestige® Credit Card

    • Rewards Rate: 5x points on dining and air travel, 3x points on hotels and cruise lines, 1x points on other purchases.
    • Sign-Up Bonus: None
    • Annual Fee: $495
    • Why It's Great: Premium card with top-tier rewards on dining and travel, plus luxury travel benefits and credits.

  6. Wells Fargo Propel American Express® Card

    • Rewards Rate: 3x points on dining, takeout, and delivery; travel; gas stations; rideshares; transit; popular streaming services.
    • Sign-Up Bonus: Earn 20,000 bonus points after spending $1,000 in the first 3 months.
    • Annual Fee: $0
    • Why It's Great: No annual fee with a strong rewards rate on dining and other popular categories.

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

    • Rewards Rate: 4x points on dining, takeout, and delivery; 2x points at grocery stores, grocery delivery, gas stations, and streaming services; 1x points on all other purchases.
    • Sign-Up Bonus: Earn 20,000 bonus points after spending $1,000 in the first 90 days.
    • Annual Fee: $0
    • Why It's Great: High rewards rate on dining and no annual fee, making it a great choice for frequent diners.

  8. Bank of America® Customized Cash Rewards Credit Card

    • Rewards Rate: 3% cash back in a category of your choice, including dining; 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery/wholesale club purchases each quarter); 1% on all other purchases.
    • Sign-Up Bonus: Earn $200 online cash rewards bonus after spending $1,000 in the first 90 days.
    • Annual Fee: $0
    • Why It's Great: Customizable rewards categories and no annual fee, allowing you to optimize your rewards.

  9. SavorOne® Cash Rewards Credit Card from Capital One

    • Rewards Rate: 3% cash back on dining and entertainment; 2% at grocery stores; 1% on all other purchases.
    • Sign-Up Bonus: Earn $200 cash bonus after spending $500 in the first 3 months.
    • Annual Fee: $0
    • Why It's Great: No annual fee with solid cash back rates on dining and entertainment, making it a budget-friendly option.

  10. American Express® Green Card

    • Rewards Rate: 3x Membership Rewards® points on dining, travel, and transit.
    • Sign-Up Bonus: Earn 45,000 Membership Rewards® points after spending $2,000 in the first 6 months.
    • Annual Fee: $150
    • Why It's Great: Competitive rewards rate on dining and travel, with a reasonable annual fee and valuable travel benefits.


Choosing the right credit card for dining out can help you earn significant rewards and cashback on your restaurant bills. Evaluate your dining habits and select a card that offers the best rewards and benefits for your lifestyle. With the right card, you can enjoy your meals out while earning valuable rewards.

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