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Best credit cards for restaurants and food delivery

Earn rewards on dining and get additional perks.

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Our pick for dining rewards: Chase Sapphire Reserve®

Up to 10x

Points

  • Not just for travel: Get DoorDash perks,10x points on Lyft and 3x on dining
  • Signup bonus worth $750 with Chase Ultimate Rewards
  • $300 annual travel credit
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)
Apply now
on Chase's secure site
Rates & fees

740
Min. credit score
$550
Annual fee
Up to 10x
Points
50,000
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.
  • 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, 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 50,000 points after spending $4,000 in the first 3 months
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: 3.6 / 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
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
$550
Annual fee
Up to 10x
Points
75,000
Points welcome offer
The 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.
  • 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. You also earn 5x points on prepaid hotels purchased via Amex Travel. All other purchases earn 1x points.
  • Welcome offer. Earn 75,000 bonus points after you spend $$5,000 within your first 6 months of card membership. Also, earn 10x points on at US gas stations and US supermarkets, on up to $15,000 in combined purchases, during your first 6 months.
Annual Fee $550
Purchase APR See Pay Over Time APR
Balance transfer APR N/A
Welcome offer 75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
Rewards 10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 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 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
Rates & fees

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 2022, 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
Rewards 8% cash back with Vivid Seats, 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 statement closing dates (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
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
Rewards 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

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

Citi Prestige® Credit Card logo
Finder Rating: 3.4 / 5

★★★★★

Credit recommended (740-850)
Read review
740
Min. credit score
$495
Annual fee
Up to 5x
Points
50,000
Points welcome offer
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.
Annual Fee $495
Purchase APR 16.99% to 23.99% variable
Balance transfer APR 16.99% to 23.99% variable
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Now, through December 2021, supermarket and restaurant packages will also count towards the $250 Travel Credit
Rewards 5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases
The information about Citi Prestige® Credit Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

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
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a signup bonus worth $750 plus up to $50 statement credit towards groceries with this popular travel card.
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) and 3x points on directly-booked flights
See Pay Over Time APR
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Terms apply, see rates & fees
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Compare up to 4 providers

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 underrepresented. 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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