If you frequently eat out then you should make sure to learn about the best dining credit card!
There are a variety of great dining cards for you to consider. Different cards will bring you different benefits and rewards, so you’ll need to do some research to find which one best suits you. Keep reading below to learn about all of our favorite dining credit cards.
See our best bank bonuses updated daily to earn up to $1,000 in free money. Find popular checking offers such as Chase Bank, HSBC Bank, TD Bank, Huntington Bank, BBVA, Discover Bank, and CIT Bank. See our best rates for Savings and CD too.
|Chase Private Client $2,000 Bonus||Chase Business Complete BankingSM $300 Bonus|
|Chase Total Checking® $200 Bonus||Chase SavingsSM $150 Bonus|
|HSBC Premier Checking $450 Bonus||HSBC Premier Checking Up To $600|
|HSBC Advance Checking $200 Bonus||HSBC Advance Checking Up To $240|
|TD Bank Premier Checking $300 Bonus||TD Bank Convenience Checking $150 Bonus|
|Huntington 25 Checking $500 Bonus||Huntington Business Checking 100 $200 Bonus|
|Huntington Unlimited Business Checking $400 Bonus||Huntington Unlimited Plus Business Checking $750 Bonus|
|Axos Basic Business Checking $100 Bonus||Aspiration Spend & Save Account $100 Bonus|
|Ally Invest Up To $3,500 Bonus|
Table of Contents
Best Dining Credit Cards Summary
If you want more information on each card that we’ve listed then make sure to check out our reviews and posts about them.
|Best Overall Credit Cards For Dining||American Express Gold Card
Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
|Best Cashback Credit Card For Dining||Capital One SavorOne Cash Rewards Credit Card
Chase AARP Credit Card
Wells Fargo Propel American Express Card
|Best Hotel Credit Cards For Dining||Hilton Honors American Express Surpass® Card
Marriott Bonvoy Brilliant™ American Express® Card
The World of Hyatt Credit Card
|Best Business Credit Cards For Dining||The Hilton Honors American Express Business Card
Ink Business Cash? Credit Card
Marriott Bonvoy Business™ American Express® Card
What to Consider
We’ve taken into account the following factors when deciding on the best dining credit cards to review:
- Welcome bonus
- Earning potential
- Annual fee
- Point value
- Rewards simplicity
- Dining-focused perks
- Rates and fees
- Additional benefits
The Best Overall Credit Cards for Dining
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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
You'll earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. When redeeming your points for travel through Chase Ultimate Rewards, you'll get 50% more value.
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 $100 application fee credit for Global Entry or TSA Pre?®.
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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®!
You'll earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. And when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value!
Furthermore, you'll earn 2X total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
This card carries a $95 annual fee.
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 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
You'll have the opportunity to earn 4X Membership Rewards® points when you dine at restaurants worldwide & at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X); 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
This card has an annual fee of $250 with no foreign transaction fees (See Rates & Fees). Some benefits including earning up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. In addition, a $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
The Best Cashback Card for Dining
The Capital One® Savor® Cash Rewards Credit Card earns 4% on any purchase that involves eating, including restaurants, coffee shops and food trucks. In addition, this card offers unique dining-focused perks. Past members have had access to exclusive restaurant reservations via Resy and advanced access to the 2019-2020 Taste America series.
The Capital One Savor Cash Rewards Credit Card offers a one-time $300 cash bonus after spending $3000 on purchases within the first 3 months from account opening.
You'll earn an unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Capital One cardholders get access to premium experiences in dining, entertainment and more.
This card does carry a $95 annual fee, however, there is a $0 intro annual fee for the first year.
The Best No-Annual-Free Credit Cards for Dining
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 SavorOne Cash Rewards Credit Card offers a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.
You'll earn an unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases with no rotating categories or sign-ups needed to earn cash rewards.
This card comes with no annual fee and no foreign transaction fees.
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 Wells Fargo Propel American Express® Card offers 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value.
You'll earn 3X points for:
• eating out and ordering in
• gas stations, rideshares and transit
• travel including flights, hotels, homestays and car rentals
• on popular streaming services
• 1X points on other purchases
This card comes with no annual fee.
The Best Hotel 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 with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
On top of that, you can earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
You can also earn Hilton Honors Diamond status through the end of the next calendar year once you spend $40,000 on eligible purchases on your Card in a calendar year.
Take advantage of earning 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, 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, & U.S. gas stations, and 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
This card does carry a $95 annual fee. (See Rates & Fees)
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 The World Of Hyatt Credit Card offers 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening. With those points, free nights start at 5,000 points.
You'll earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member. To add, you'll earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.
This card does carry a $95 annual fee, however, the perks sure make up for it. For instance, you'll receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary and an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year.
The Best Business Credit Cards for Dining
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 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
You'll earn 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
In addition, you can enjoy complimentary Gold Status with your Hilton Honors Business Card & earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
This card has a $95 annual fee. (See Rates & Fees)
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 Chase Ink Business CashSM Card offers $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from 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, & % 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 & the 0% introductory APR for 12 months on purchases.
The Marriott Bonvoy BusinessTM American Express® Card offers 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. Earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media. Plus receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21.
You'll earn 6x points at participating Marriott Bonvoy hotels, 4x points at U.S. restaurants, 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.
For each card account anniversary, you'll receive 1 Free Night Award every year after your Card account anniversary. 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 a participating hotel. Certain hotels have resort fees.
This card does carry a $125 annual fee. (See Rates & Fees)
Be sure to learn all about the perks and fees when choosing which credit card to open. Making an educated decision could help you maximize your spendings and get great rewards.
We included all of our favorite cards that offer a good balance between high earning rates, point value, and annual costs.
For more credit cards, see our latest list of the best credit card bonuses! Or view these offers from the following institutions:
- Chase Credit Cards
- American Express Credit Cards
- Citi Credit Cards
- Capital One Credit Cards
- Wells Fargo Credit Cards
|Chase Business Complete BankingSM||$300 Cash||Review|
|Chase Private Client||$2,000 Cash||Review|
|Chase Total Checking®||$200 Cash||Review|
|Chase SavingsSM||$150 Cash||Review|
|HSBC Premier Checking Member FDIC||$450 Cash||Review|
|HSBC Premier Checking Member FDIC||Up To $600||Review|
|HSBC Advance Checking Member FDIC||$200 Cash||Review|
|HSBC Advance Checking Member FDIC||Up To $240||Review|
|Huntington 25 Checking||$500 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience CheckingSM||$150 Cash||Review|
|Huntington Bank Unlimited Plus Business Checking||$750 Cash||Review|
|Huntington Bank Unlimited Business Checking||$400 Cash||Review|
|Huntington Bank Business Checking 100||$200 Cash||Review|
|Axos Bank Basic Business Checking||$100 Cash||Review|
|Aspiration Spend & Save Account||$100 Cash||Review|
|American Express High Yield Savings||0.60% APY||Review|
|Simple||Up to 0.60% APY||Review|
|CIT Bank Money Market||0.50% APY||Review|
|Ally Invest||Up to $3,500 Cash||Review|