Best Dining Credit Cards of 2021: Restaurant Points, Rewards & Cash Back

The Chase Sapphire Reserve card earns users three points for every dollar spent at restaurants worldwide. Chases’s definition for restaurants is broad and includes merchants “whose primary business is sit-down or eat-in dining, including fast food restaurants as well as fine dining establishments,” so you are bound to earn a lot of rewards.

The Chase Sapphire Reserve offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase TravelSM. You'll earn • 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel immediately after the first $300 is spent on travel purchases annually. • 3x points on other travel and dining • 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Travel. This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $120 application fee credit for Global Entry or TSA Pre?®. Member FDIC Click here to learn how to apply

The Chase Sapphire Preferred card earns users two points for every dollar that they spend on dining. The earning rate on dining isn’t as high as others but this card only costs$95 a year and includes a big welcome bonus.

The Chase Sapphire Preferred® Card offers 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. You'll earn: • 5x on travel purchased through Chase TravelSM • 3x on dining, select streaming services and online groceries • 2x on all other travel purchases • 1x on all other purchases • $50 Annual Chase Travel Hotel Credit • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM This card carries a $95 annual fee. Click here to learn how to apply

The American Express® Gold Card earns four points for every dollar spent on dining worldwide. Along with a hefty return, users receive up to$120 in dining credits annually. Amex also acquired Resy, a restaurant-booking service, so users are likely to expect extra dining perks like bonus points on bookings and preferred access to reservations.

The American Express® Gold Card offers 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. You'll earn: • 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. • 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. • 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. • 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. • 1X Membership Rewards® point per dollar spent on all other eligible purchases. Other benefits: • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply. • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at U.S. Dunkin' locations. • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express(R) Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required. • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express(R) Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required. • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property. This card has an annual fee of $325 with no foreign transaction fees (See Rates & Fees). Terms Apply. Click here to learn how to apply

The Capital One® SavorOne® Cash Rewards Credit Card earns 3% cash back on dining. This card offers the best rewards at restaurants without the annual fee.

The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. Click here to learn how to apply

The AARP Card from Chase earns 3% cash back at restaurants, this ranges fast food to fine dining. Even though this card matches SavorOne’s earning rate on dining, it has a less generous welcome bonus and doesn’t offer any other dining perks.

The Wells Fargo Propel American Express Card earns three points for every dollar you spend dining. This is the only points-earning card that made it on our list of the best no-annual-fee credit cards for dining.

The Hilton Honors American Express Surpass® Card earns six points for every dollar spent on dining in the United States. Even though there is a high bonus rate, the value of Hilton Honors points is fairly low, at $0.006 each point.

The Hilton Honors American Express Surpass® Card offers 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass(R) Card in your first 6 months of Card Membership. Offer Ends 4/29/2025. Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass Card. That's up to $200 in statement credits annually. You'll earn: • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass Card. • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. • Earn 4X Points for each dollar on U.S. Online Retail Purchases. • Earn 3X Points for all other eligible purchases on your Card. Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year. Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors American Express Surpass Card. Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond Status through the end of the next calendar year. This card does carry a $150 annual fee & no foreign transaction fees. (See Rates & Fees) Terms Apply. Click here to learn how to apply

The Marriott Bonvoy Brilliant™ American Express® Card earns three times the points on dining at restaurants in the United States. This card has a lower bonus rate but the points are valued slightly more than the Hilton Honors card, Marriott Bonvoy points are valued at $0.009 each.

The World of Hyatt Credit Card earns 2x points on dining at restaurants. These points are valued at $0.017 each.

The Hilton Honors American Express Business Card earns six points for every dollar spent on dining in the United States. Even though there is a high bonus rate, the value of Hilton Honors points is fairly low, at $0.006 each point.

The Hilton Honors American Express Business Card has a welcome offer of 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 4/29/2025. You'll earn: • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter. • Enjoy up to $240 back each year (in the form of statement credit) for eligible purchases made directly with Hilton. • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club program is required. Terms apply. • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay. In addition, you can enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. This card has a $195 annual fee. (See Rates & Fees) Terms & Limitations Apply. Click here to learn how to apply

The Ink Business Cash Credit Card earns 2% cash back on the first $25,000 you spend in combined purchases at gas stations and restaurants each membership year.

The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll earn: • 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 • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. Click here to learn how to apply

The Marriott Bonvoy Business™ American Express® Card earns 4x points on dining at restaurants in the United States. For reference, Marriott point are valued at $0.009 each.

The Marriott Bonvoy Business® American Express® Card offers 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy member & a Marriott Bonvoy Business American Express Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate. You can enjoy a complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card. You'll earn: • 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program. • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. • 2x points on all other eligible purchases. You'll receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. This card does carry a $125 annual fee. (See Rates & Fees) Terms Apply. Click here to learn how to apply