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Best credit cards for restaurants
Earn rewards on dining and get additional perks.
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 or a generous signup bonus.
Our pick for dining out
Capital One® SavorOne® Cash Rewards Credit CardRead more
Best credit cards for restaurants
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 15.74% to 25.74% 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 15.74% to 27.74%.
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.
Best restaurant credit card for warehouse clubs: Costco Anywhere Visa® Card by Citi
- 4% cash back on eligible gas for the first $7,000 per year, then 1%.
- 3% cash back on restaurant and eligible travel spending.
- 2% cash back on other purchases from Costco and Costco.com.
- 1% cash back on all other purchases.
Best restaurant credit card for flexible rewards: Chase Sapphire Reserve®
- 50,000 bonus points after you make $4,000 in purchases within the first 3 months of account opening.
- 3x points on travel and dining after earning your annual travel credit. 1x points on all other purchases.
- $300 annual travel credit.
- Points are worth 50% more when redeemed through Chase Ultimate Rewards.
How we picked our best dining credit cards
We compared all credit cards that earn rewards on dining purchases. And then we chose the best credit cards for restaurants 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.
What’s changed in 2019
Starting September 1, 2019, Citi capped the Citi Prestige® Credit Card‘s free-fourth-night benefit at two times per calendar year.
Best credit cards for dining
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.
How to make the most of your restaurant credit card
- Earn the signup bonus.
If your card has a signup bonus, check the spend requirement and plan how you’ll reach it. There are certain hacks to reach your spend requirement more easily.
- Spend in bonus categories.
Your card will offer accelerated rewards at restaurants, so use it whenever you dine out or order to go. In addition, the card may offer bonus rewards in other categories. Wherever your card doesn’t offer accelerated cash back, points or miles, consider using a flat-rate cashback card.
Pro tip: How to earn rewards when dining out with friends
Now that you have a dining credit card, look to use it at restaurants everywhere. The next time you eat out with friends, cover the bill with your card and ask them to pay you back. That big bill can turn into a trove of points or cash back.
- Take advantage of the intro APR.
If your card has an intro APR, you have an opportunity to spend strategically and save on interest. You may want to transfer high-interest balances to take advantage of your 0% APR. And if you’re careful about not going overboard, you may be able to make certain purchases and pay them off over time with zero interest.
- Leverage your card’s other benefits.
Check if your card offers spending credits, transfers to airline or hotel partners, or other benefits.
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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