Best Credit Cards For Restaurants
Americans love eating out and millennials even more. Spending at restaurants and other food vendors continues to increase annually, and is now rebounding after the pandemic. Before the pandemic, Americans were spending more at bars and restaurants than groceries, even though a study in 2016 noted that you could save an average on $9 per meal by preparing it at home.
So maximizing you credit card rewards for your dining purchases is a good idea. Below, you can find the cards you should use every time you go out to eat. I’ll start with the cards that give you the highest rates and are widely available, and work my way down from there. I’ll value all points at 1 cent per points to make the ranking easier, but for same rates, I’ll rank Chase Ultimate Rewards cards first, then American Express Membership Rewards cards next, and TYP last. Check the list below to see if you have one of the best credit cards for restaurants, and other dining purchases such as delivery and takeout.
- Check out the best credit cards for:
Citi Prestige
- 5X ThankYou Points for each $1 spent on purchases at restaurants (including cafes, bars, lounges and fast food restaurants).
- Annual Fee: $495
- Earn 50,000 points as a welcome bonus after spending $4,000 within 3 months of account opening.
- LEARN MORE
Citi Custom Cash
- 5% cash back on purchases in top eligible spend category (includes restaurants) each billing cycle, up $500.
- No Annual Fee
- LEARN MORE
American Express® Gold Card
American Express® Business Gold Card
U.S. Bank Altitude Go Card
Brex Card
Barclays Uber Card
Capital One Savor® Cash Rewards
- Earn 4% cashback on dining and entertainment
- $95 Annual Fee, waived the first year
- LEARN MORE
Cardless Boston Celtics Card
Cardless New Orleans Pelicans Card
Chase Sapphire Reserve
Wells Fargo Bilt Mastercard
- 3X Points on Dining (6x on the 1st of each month)
- No Annual Fee
- LEARN MORE
Chase Freedom Flex
- 3X on dining at restaurants, including takeout and eligible delivery services
- No Annual Fee
- $200 welcome bonus after you spend $500 on purchases in the first 3 months from account opening.
- LEARN MORE
Chase Freedom Unlimited
- 3X on dining at restaurants, including takeout and eligible delivery services
- No Annual Fee
- $200 welcome bonus after you spend $500 on purchases in the first 3 months from account opening.
- LEARN MORE
US Bank Business Triple Cash
- 3% cash back on restaurants, gas stations, office supply stores and cell phone service providers
- No Annual Fee
- $500 welcome bonus after spending $4,500 in the first 150 days
- LEARN MORE
US Bank FlexPerks Gold Amex
Capital One SavorOne® Cash Rewards
- Earn 3% cashback on dining and entertainment
- No Annual Fee
- LEARN MORE
Marvel Mastercard
Santander Bravo
- 3X rewards points on supermarket, gas station, and restaurants
- $49 Annual Fee (waived first year or with Select/Premier Plus checking account)
- Rewards are values at 1cpp. 3X rate is capped at $5K spending.
- Read more about the card
- 3% back on restaurants and eligible travel purchases.
- No Annual Fee
- LEARN MORE
Wells Fargo Propel American Express
Cardless Miami Marlins Card
TD Cash Credit Card
- Choose your top two Spend Categories to earn unlimited 3% and 2% Cash Back. Dining is one of them.
- No Annual Fee
- Only available in CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Read more about the card
UMB Simply Rewards
- 3% at Restaurants, Gas stations, Grocery stores, Discount stores
- No Annual Fee
- $200 bonus and could be limited based on your location
- Read more about the card
Hilton Honors American Express Surpass® Card
- 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants.
- $95 Annual Fee
- APPLY HERE
Other 2% Cards
Cards with 5% Rotating Categories
Some cards also have 5% rotating categories each quarter, which could at times make them some of the best credit cards for restaurants. Sometimes we see restaurants as one of those categories, so it’s a good idea to keep an eye out if you have these cards, and maximize the spending when possible.
Please let me know if there’s any other cards that you think should be included in the list, especially if they’re widely available. And also share your opinions on which is the best credit cards for restaurants.
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