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 Ultimate Rewards. You'll earn • 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually. • 5X total points on flights • 3X points on other travel and dining • 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?®. Member FDIC Learn More About This Card

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 when you redeem through Chase Ultimate Rewards. You'll earn: • 5X points on travel purchased through Chase Ultimate Rewards • 3X points on dining • 3X points on select streaming services and online grocery purchases • 2X points on all other travel purchases • 1X point per $1 spent on all other purchases Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit and when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value! This card carries a $95 annual fee. Learn More About This Card

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 with your new Card within the first 6 months. Terms apply. You'll earn: • 4X Membership Rewards Points at Restaurants, plus takeout and delivery in the U.S., • 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). • 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required. This card has an annual fee of $250 with no foreign transaction fees (See Rates & Fees). Terms Apply. Learn More About This Card

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 Back after you spend $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months. You'll earn: • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). • 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. Learn More About This Card

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 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 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. You'll earn: • 12X directly with hotels and resorts in the Hilton portfolio • 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants • 3X on all other eligible purchases. • Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. Terms & Limitations Apply. In addition, you can enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card & earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. This card has a $95 annual fee. (See Rates & Fees) Terms Apply. Learn More About This Card

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 $900 bonus cash back after you spend $6,000 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, & 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. Learn More About This Card

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 three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply. 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. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply. This card does carry a $125 annual fee. (See Rates & Fees) Terms Apply. Learn More About This Card