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Best credit cards for restaurants and food delivery

Earn rewards on dining and get additional perks.

Our pick for dining rewards: Citi Custom Cash℠ Card

Up to 5x

Points

    Apply now
    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.

    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 are the best credit cards for restaurants?

    Best restaurant credit card for flexible rewards
    Chase Sapphire Reserve®

    Chase Sapphire Reserve® logo
    Finder Rating: 4.6 / 5

    ★★★★★

    Credit recommended (740-850)
    See offer
    on Creditcards.com's secure site
    Rates & fees

    740
    Min. credit score
    $550
    Annual fee
    Up to 10x
    Points
    60,000
    Points welcome offer
    Chase's flagship card offers strong rewards on dining and travel, but also on Lyft rides as well. These increase in value when redeemed through Chase Ultimate Rewards, when they're worth 50% more. And you can transfer your points to a variety of airline and hotel partners, including Southwest and Marriott Bonvoy. Plus, you get DoorDash benefits.
    • 60,000 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, and 10x points on Lyft rides until March 2022. 1x points on all other purchases.
    • $300 annual travel credit.
    • Points are worth 50% more when redeemed through Chase Ultimate Rewards.
    Annual Fee $550
    Purchase APR 16.99% to 23.99% variable
    Balance transfer APR 16.99% to 23.99% variable
    Welcome offer 60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
    Estimated welcome offer value $900 based on Finder's valuation
    Rewards 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

    Best restaurant credit card for warehouse clubs
    Costco Anywhere Visa® Card by Citi

    Costco Anywhere Visa® Card by Citi logo
    Finder Rating: 3.4 / 5

    ★★★★★

    Credit recommended (740-850)
    Apply now
    on Citi's secure site
    740
    Min. credit score
    $0
    Annual fee
    Up to 4%
    Cash back
    n/a
    Welcome offer
    This card offers strong rewards on dining, travel and gas. It's also a solid choice for shopping at Costco, both in person and online.
    • 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.
    Annual Fee $0
    Purchase APR 15.24% variable
    Balance transfer APR 15.24% variable
    Welcome offer N/A
    Estimated welcome offer value
    Rewards 4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases

    Best restaurant credit card for Uber Eats
    The Platinum Card® from American Express

    The Platinum Card® from American Express logo
    Finder Rating: 4.4 / 5

    ★★★★★

    Credit recommended (670-850)
    Apply now
    on American Express's secure site
    Rates & fees

    670
    Min. credit score
    $695
    Annual fee
    Up to 10x
    Points
    100,000
    Points welcome offer
    The Platinum Card® from American Express is not only the best card for airport lounges and travel rewards, but it's also one of the best cards for Uber Eats. Just by being a cardmember, each year you get up to $200 in Uber Cash, which you can use for Uber rides or Uber Eats in the US. You also get Uber VIP status with this card.
    • Uber credits. Get $15 in Uber Cash every month plus a bonus $20 in December. That's up to $200 for Uber rides or eats orders in the US annually. Where available, you also become an Uber VIP without meeting minimum ride requirements. With Uber VIP you are matched with top-rated drivers.
    • Reward points. Earn 5x points on flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, then 1x. You also earn 5x points on prepaid hotels purchased via Amex Travel. All other purchases earn 1x points.
    • Welcome offer. Earn 100,000 bonus points after you spend $6,000 within your first 6 months of card membership. Also, earn 10x points at worldwide restaurants as well as U.S. small businesses included in the Shop Small program, on up to $25,000 in combined purchases, during your first 6 months.
    Annual Fee $695
    Purchase APR See Pay Over Time APR
    Balance transfer APR N/A
    Welcome offer 100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe
    Estimated welcome offer value $7,000 based on Finder's valuation
    Rewards 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
    Terms apply to American Express benefits and offers.

    Best for 5% cash back in flexible categories
    Citi Custom Cash℠ Card

    Citi Custom Cash℠ Card logo
    Finder Rating: 4.9 / 5

    ★★★★★

    Credit recommended (670-850)
    Apply now
    on Citi's secure site
    670
    Min. credit score
    $0
    Annual fee
    Up to 5%
    Cash back
    $200
    Welcome offer
    The Citi Custom Cash℠ Card earns 5% back on your highest spending category each billing cycle, up to $500 total before reverting to 1%. It's major strength is the flexibility it affords — you can use this card on restaurants and dining for the 5% and easily decide to focus on earning that 5% in travel the following month.
    • Cash back. Earn Earn 5% back on eligible categories, up to $500 total each billing period, reverting to 1% after that. Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores
    • No introductory APR. The lack of an intro APR on purchases stings a bit if you need to make heavy initial investments and pay them off over time interest free.
    Annual Fee $0
    Purchase APR 0% intro for the first 15 months (then 13.99% to 23.99% variable)
    Balance transfer APR 0% intro for the first 15 months (then 13.99% to 23.99% variable)
    Welcome offer $200 cash back after spending $750 in the first 3 months. Fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
    Estimated welcome offer value
    Rewards 5% cash back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent, then 1% cash back thereafter and on all other purchases

    Best credit card for dining and entertainment
    Capital One® Savor® Cash Rewards Credit Card

    Capital One® Savor® Cash Rewards Credit Card logo
    Finder Rating: 4.4 / 5

    ★★★★★

    Credit recommended (670-850)
    Read review
    670
    Min. credit score
    $95 ongoing
    Annual fee
    Up to 8%
    Cash back
    $300
    Welcome offer
    The Capital One® Savor® Cash Rewards Credit Card is one of the most rewarding cards for foodies who often go to concerts, theater or sporting events.
    • Cash back. Earn unlimited 4% back on dining and entertainment purchases, 5% cash back on Uber Eats until January 31, 2021, 8% back on Vivid Seats tickets until January 31, 2023, 2% at grocery stores, and 1% back on all other purchases.
    • Signup bonus. Earn $300 cash back after you spend $3,000 within the first 3 months of card membership.
    • No foreign transaction fees. Use your card freely abroad or online with foreign merchants and you won't pay any foreign transaction fees.
    Annual Fee $0 intro annual fee for the first year ($95 thereafter)
    Purchase APR 15.99% or 24.99% variable
    Balance transfer APR 15.99% or 24.99% variable
    Welcome offer $300 after spending $3,000 in the first 3 months
    Estimated welcome offer value
    Rewards 8% cash back on Vivid Seats until 1/31/2023 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases

    Best restaurant credit card for balance transfers
    Bank of America® Cash Rewards Credit Card

    Bank of America® Cash Rewards Credit Card logo
    Finder Rating: 4.6 / 5

    ★★★★★

    Credit recommended (720-850)
    Read review
    720
    Min. credit score
    $0
    Annual fee
    Up to 3%
    Cash back
    $200
    Welcome offer
    Unlike most dining cards, the Bank of America® Cash Rewards Credit Card offers a long intro APR period on balance transfers and purchases. You'll also get a decent signup bonus and you won't pay an annual fee for the card.
    • Cash back. Earn 3% back on a category you choose each quarter, including dining. Earn 3% at grocery stores and wholesale clubs on your first $2,500 in combined purchases each quarter in the 3% and 2% categories. After reaching the cap and on all other purchases, earn 1% back.
    • Signup bonus. Earn $200 online cash bonus after you spend $1,000 in your first 90 days of card membership.
    Annual Fee $0
    Purchase APR 0% intro for the first 15 billing cycles (then 13.99% to 23.99% variable)
    Balance transfer APR 0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
    Welcome offer $200 after spending $1,000 in the first 90 days
    Estimated welcome offer value
    Rewards 3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else

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

    Wells Fargo Propel American Express® Card logo
    Finder Rating: 4.4 / 5

    ★★★★★

    Credit recommended (670-850)
    Read review
    670
    Min. credit score
    $0
    Annual fee
    Up to 3x
    Points
    20,000
    Points welcome offer
    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 $1,000 within your first 3 months to earn 20,000 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 14.49% to 24.99%.
    Annual Fee $0
    Purchase APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
    Balance transfer APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
    Welcome offer 20,000 points after spending $1,000 in the first 3 months
    Estimated welcome offer value $200 based on Finder's valuation
    Rewards 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

    How do I choose the best credit card for restaurants and food delivery?

    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 Bank of America® 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 Bank of America® 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.

    Best credit cards for dining

    Name Product Filter values Rewards Purchase APR Annual fee
    American Express® Gold Card
    4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
    See Pay Over Time APR
    $250

    Rose Gold is Back

    Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
    Citi Custom Cash℠ Card
    5% cash back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent, then 1% cash back thereafter and on all other purchases
    0% intro for the first 15 months (then 13.99% to 23.99% variable)
    $0
    A new cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).
    Citi Premier® Card
    3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
    15.99% to 23.99% variable
    $95
    Earn 80,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
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    Do I really need a restaurant and food delivery credit card?

    There are many excellent restaurant and food delivery credit cards to choose from. But in the end, you might find another card type suits you better.

    Consider avoiding a restaurant and food delivery card if:

    • You really don’t spend much at restaurants. It might feel great to get a trove of rewards for a restaurant bill here and there, but think about how often you actually eat out. You might discover that you spend much more in other categories. If that’s the case, it might make sense to pick up a different card type.
    • Another card offers a better combination of accelerated rewards. Restaurant and food delivery cards usually pair accelerated dining rewards with bonus rewards in other categories. But certain bonus categories — such as groceries — are under represented. If you find the bulk of your spending lies elsewhere, a restaurant and food delivery card might not be best for you.

    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.

    Earn bonus rewards for food delivery

    Most of the credit cards above aren’t only good picks for dining at restaurants. They also offer bonus rewards for food delivery, which can help just a bit if you’re stuck at home.

    Be aware that some card issuers don’t explicitly mention that food delivery apps earn bonus rewards, though you may earn these rewards regardless. If you’re unsure, consider ordering directly from a restaurant that delivers.

    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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