Best credit cards for restaurants | finder.com

Best credit card for restaurants

Earn rewards on dining and get additional perks.

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Consider a credit card with restaurant rewards if you spend a lot of money on dining. In addition to getting rewards for dining purchases, you may get perks such as an intro APR period, travel credit, a generous signup bonus and more.

Best credit cards for restaurants

Name Product Filter values Rewards Purchase APR Annual fee
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
16.24% to 25.74% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
2x points on travel and dining and 1x points on all other purchases
18.24% to 25.24% variable
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
19.24% to 26.24% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases
0% intro for the first 12 months (then 16.24% to 28.24% variable)
$0
Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months.

Compare up to 4 providers

Best restaurant credit cards

Best restaurant credit card with no annual fee: Uber Visa Card

The Uber Visa Card is the only no-annual-fee credit card that offers 4% cash back on dining. Other cards that offer the same reward rate cost $95 annually or more.

  • Cash back. Earn 4% cash back on dining, including restaurants, bars, takeouts and UBER Eats; 3% back on hotels, vacation home rentals and airfare; 2% back on Uber and online purchases, such as shopping and streaming services; and 1% back on everything else you buy.
  • Signup bonus. Earn $100 once you spend $500 in the first 90 days.
  • Streaming credit. Spend $5,000 in a calendar year to earn up to $50 credit for online streaming services.

Best restaurant credit card for balance transfers: Capital One® SavorOne℠ Cash Rewards Credit Card

Unlike most dining cards, the Capital One® SavorOne℠ Cash Rewards Credit Card offers a long intro APR period on balance transfers and purchases. You’ll also get a decent signup bonus, no foreign transaction fees and you won’t pay an annual fee for the card.

  • Intro APR period. Enjoy a 0% intro APR on purchases and balance transfers for the first 15 months. After that, a variable APR of 16.24% to 26.24% applies.
  • Cash back. Earn 3% back on dining and entertainment, 2% back at grocery stores and 1% back on everything else.
  • Signup bonus. Spend $500 during your first 3 months to earn $150.

Best restaurant credit card for travel within the US: Wells Fargo Propel American Express® Card

The Wells Fargo Propel American Express® Card offers an impressive combo of earning rewards on dining, travel, transportation and popular streaming services without paying an annual fee.

  • Reward points. Earn 3x points on eating out or ordering in; on fuel, rideshares and transit; on flights, hotels, homestays and car rentals; and on popular streaming services. Everything else earns you 1x points.
  • Signup bonus. Spend $3,000 within your first 3 months to earn 30,000 bonus points.
  • Intro APR period. Enjoy a 0% intro APR on purchases and balance transfers for the first 12 months. After that, your rate reverts to a variable 16.24% to 28.24%.

Best restaurant credit card for international travel: Citi Prestige® Credit Card

The Citi Prestige® Credit Card can be an excellent choice for those who often travel abroad. You can earn accelerated points on travel and dining purchases, annual travel credit, a fourth award night, VIP lounge access and more.

  • ThankYou points. Earn 5x points on air travel and restaurants, 5x points on hotels and cruise lines and 1x points on all other purchases you make.
  • Signup bonus. Earn 50,000 ThankYou points once you spend $4,000 in the first 3 months.
  • Travel credit. You’ll get $250 in travel credit every calendar year.

How we picked our best cards

We compared all credit cards that earn rewards on dining purchases. And then we chose the best according to the rewards rate on dining and the additional perks they offered, such as no annual fee, intro APR period and other reward categories.

How to compare restaurant credit cards

When looking for the best restaurant credit card, consider:

  • Do you want a no-annual-fee card? The Uber Visa Card, the Wells Fargo Propel American Express® Card or the Capital One® SavorOne℠ Cash Rewards Credit Card will let you earn rewards on your restaurant purchases without paying an annual fee.
  • Do you want to make balance transfers? The Capital One® SavorOne℠ Cash Rewards Credit Card and the Wells Fargo Propel American Express® Card offer an intro APR period on balance transfers. If you’re looking to save money on interest, both of these cards can be worth considering.
  • Do you travel often? The Wells Fargo Propel American Express® Card and the Citi Prestige® Credit Card can both be an excellent choice for traveling. You won’t pay any foreign transaction fees if you travel abroad, but keep in mind that Amex cards aren’t as popular abroad as Mastercard or Visa.

Bottom line

Restaurant credit cards can help you earn rewards on your dining purchases. But the best of these cards will offer additional perks such as an intro APR period, a solid signup bonus, no annual fee and more.

However, if you’re not sure whether these cards are what you’re looking for, check out other rewards credit cards and compare your options.

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