Best credit cards for dining & restaurants

Restaurants 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. 1

   American Express® Gold Card

   American Express · American Express · $325/yr

   100,000 points bonus

   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
2. 2

   Chase Sapphire Reserve®

   Chase · Visa · $795/yr

   100,000 points bonus

   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
3. 3

   Chase Sapphire Preferred® Card

   Chase · Visa · $95/yr

   100,000 points bonus

   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
4. 4

   Citi Strata Premier℠ Card

   Citi · Mastercard · $95/yr

   60,000 points bonus

   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
5. 5

   Capital One Savor Cash Rewards Credit Card

   Capital One · Mastercard · No annual fee

   $250 bonus

   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
6. 6

   Chase Freedom Unlimited®

   Chase · Visa · No annual fee

   $200 bonus

   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

Machine-readable: /api/cards