Best credit cards for dining & restaurants
Updated 2026-07-27Restaurants are where a rewards card either earns its keep or it doesn't. The cards below pay the most when you eat out, order takeout, or get delivery, and several add monthly dining credits that chip away at the annual fee before you book a single trip. We put the highest restaurant earn rate at the top, then looked at which credits and perks actually apply to eating out.
How we rank: We ranked by the rate each card pays at restaurants worldwide (including takeout and delivery), then weighed dining-specific statement credits, the annual fee, and how flexible the rewards are to redeem.
- 1$25 bonusAmerican Express Rakuten
American Express · American Express · No annual fee
1% base4% Rakuten purchases10% Rakuten Dining2% Groceries and restaurants - 2150,000 points bonusAmerican Express Hilton Honors Aspire
American Express · American Express · $550/yr
1x base14x hilton7x flights-car-rentals-us-resta3x other - 3130,000 points bonusAmerican Express Hilton Honors Surpass
American Express · American Express · $150/yr ($0 first year)
3x base12x Hilton hotels and resorts6x U.S. restaurants, U.S. gas s4x U.S. online retail - 475,000 points bonusCiti Strata Elite
Citi · Mastercard · $595/yr
1.5x base12x Hotels, car rentals and attr6x Air travel booked on cititra6x Restaurants on Citi Nights p - 580,000 points bonusAmerican Express Hilton Honors
American Express · American Express · No annual fee
1x base7x hilton5x us_restaurants_gas_supermark3x other - 6200,000 points bonusChase IHG Premier Business
Chase · Mastercard · $99/yr
3x base10x IHG Hotels and Resorts5x travel5x dining - 7140,000 points bonusChase IHG Premier
Chase · Mastercard · $99/yr
3x base10x IHG Hotels and Resorts5x travel5x gas stations - 8100,000 points bonusAmerican Express® Gold Card
American Express · American Express · $325/yr
Earns 4X Membership Rewards points at restaurants worldwide (including U.S. takeout and delivery) on up to $50,000 a year, the highest dining rate on this list, and the $120 dining credit, $120 Uber Cash, and $100 Resy credit can cover most of the $325 annual fee on their own.
1x base4x Restaurants worldwide4x U.S. supermarkets5x Prepaid hotels booked on Ame - 9100,000 points bonusAmerican Express Business Gold
American Express · American Express · $375/yr
1x base4x Top 2 eligible categories ea3x Flights & pre-paid hotels bo - 10175,000 points bonusAmerican Express Marriott Bonvoy Bevy
American Express · American Express · $250/yr
2x base6x hotels participating in Marr4x restaurants worldwide4x U.S. supermarkets - 110 points bonusAmerican Express Marriott Bonvoy Business
American Express · American Express · $125/yr
2x base6x hotels participating in Marr4x restaurants worldwide4x U.S. gas stations - 1245,000 points bonusBarclays Wyndham Rewards Earner Plus
Barclays · Visa · $95/yr
1x base6x hotels_wyndham4x travel4x dining - 1385,000 points bonusChase Marriott Bonvoy Bountiful
Chase · Visa · $250/yr
2x base6x Hotels participating in Marr4x Grocery stores and dining - 14$50 bonusSynchrony Verizon Visa
Synchrony · Visa · No annual fee
1% base4% grocery4% gas4% dining - 1520,000 points bonusU.S. Bank Altitude Go
U.S. Bank · Visa · No annual fee
2x base4x dining - 16100,000 points bonusChase Sapphire Reserve®
Chase · Visa · $795/yr
Dining earns 3X points worldwide, and restaurant spenders also get up to $300 a year at Sapphire Reserve Exclusive Tables restaurants plus up to $300 a year in DoorDash credit, though those perks come with a $795 annual fee.
1x base8x Travel booked through Chase 5x Eligible Lyft rides4x Flights and hotels booked di - 17100,000 points bonusChase Sapphire Preferred® Card
Chase · Visa · $95/yr
Same 3X on dining, including eligible delivery and takeout worldwide, but for a $95 annual fee instead of the Reserve's $795, which makes it the better-value way to earn Ultimate Rewards on restaurant spend.
1x base5x Travel booked through Chase 3x Dining3x Gas and EV charging - 1860,000 points bonusCiti Strata Premier℠ Card
Citi · Mastercard · $95/yr
Earns 3X ThankYou Points at restaurants for a $95 annual fee, and the same 3X applies at supermarkets, gas, and air travel, so it's the pick if you want one card covering dining plus everyday spending.
1x base10x Hotels, car rentals and attr3x Air travel and other hotel p3x Restaurants - 19$250 bonusCapital One Savor Cash Rewards Credit Card
Capital One · Mastercard · No annual fee
Pays 3% cash back on dining with no annual fee and no foreign transaction fee, plus the same 3% on entertainment, streaming, and groceries, which makes it the simplest no-fee option for eating out.
1% base3% Dining3% Entertainment3% Popular streaming services - 20$200 bonusChase Freedom Unlimited®
Chase · Visa · No annual fee
Also earns 3% on dining including takeout and eligible delivery with no annual fee, but it's built as a flat-rate card (1.5% on everything else), so it lands last here for anyone whose spending centers on restaurants.
1.5% base5% Travel purchased through Cha3% Dining at restaurants3% Drugstore purchases - 21200,000 points bonusAmerican Express Marriott Bonvoy Brilliant
American Express · American Express · $650/yr
1x base6x hotels3x restaurants3x flights - 2270,000 miles bonusBank of America Air France KLM
Bank of America · Mastercard · $89/yr
1.5x base3x Air France, KLM & SkyTeam pu3x Dining3x Rent payments through Bilt - 2350,000 miles bonusBarclays Frontier Airlines World
Barclays · Mastercard · $99/yr
1x base15x Frontier Airlines purchases3x restaurants - 2430,000 points bonusBarclays Wyndham Rewards Earner
Barclays · Visa · No annual fee
1x base5x Hotels by Wyndham3x Vacation Club, dining, groce - 255,000 points bonusBarclays Xbox
Barclays · Mastercard · No annual fee
1x base5x Digital Microsoft Store3x Eligible streaming services3x Eligible dining delivery ser - 2685,000 miles bonusChase Aeroplan
Chase · Mastercard · $95/yr
1x base3x Air Canada purchases3x Grocery stores3x Dining at restaurants includ - 2720,000 points bonusChase Freedom Flex
Chase · Mastercard · No annual fee
1% base5% quarterly rotating bonus cat5% travel purchased through Cha3% dining at restaurants, inclu - 2880,000 points bonusChase IHG Traveler
Chase · Mastercard · No annual fee
1x base5x ihg_hotels3x dining3x gas - 29200,000 points bonusChase Marriott Bonvoy Boundless
Chase · Visa · $95/yr
2x base6x hotels participating in Marr3x grocery stores3x gas stations - 30$100 bonusComenity AAA Travel Advantage
Comenity · Visa · No annual fee
1% base5% Gas purchases and electric v3% Travel, restaurants, grocery - 3150,000 miles bonusFirst Cardless Qatar Infinite
First · Visa · $499/yr
1x base5x Qatar Airways purchases3x dining - 3240,000 miles bonusFirst LATAM Airlines World Elite
First · Mastercard · $99/yr
1x base4x LATAM Airlines purchases3x restaurants3x rideshare, taxis, and public - 3350,000 points bonusPenFed Pathfinder
PenFed · Visa · $95/yr
1x base4x travel3x travel3x dining - 3415,000 points bonusPenFed Platinum Rewards
PenFed · Visa · No annual fee
1x base5x gas5x ev-charging3x groceries - 35$750 bonusU.S. Bank Business Triple Cash Rewards
U.S. Bank · Mastercard · No annual fee
1% base3% gas and EV charging stations3% office supply stores3% cell phone service providers - 36$200 bonusWebBank Gemini
WebBank · Mastercard · No annual fee
1% base4% gas, EV charging and transit3% dining2% groceries - 3760,000 points bonusWells Fargo Autograph Journey
Wells Fargo · Visa · $95/yr
1x base5x hotels4x airlines3x restaurants - 3820,000 points bonusWells Fargo Autograph
Wells Fargo · Visa · No annual fee
2x base3x restaurants3x travel3x gas - 39350 points bonusWells Fargo Expedia One Key+
Wells Fargo · Mastercard · $99/yr
2% base3% Expedia, Hotels.com, and Vrb3% Gas stations, grocery stores - 40250 points bonusWells Fargo Expedia One Key
Wells Fargo · Mastercard · No annual fee
1.5% base3% Expedia, Hotels.com and Vrbo3% Gas stations3% Grocery stores
Bottom line
If restaurants are your biggest category, the Amex Gold pays the most, and its dining, Uber, and Resy credits can wipe out most of the $325 fee. Want flexible points without a $325 or $795 fee? The Sapphire Preferred and Citi Strata Premier both earn 3X for a $95 annual fee. Want cash back with no annual fee at all, the Capital One Savor at 3% is the easy call.
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