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Best credit cards for restaurants and food delivery
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.
Best credit cards for restaurants
Best restaurant credit card for Uber Eats: Uber Visa Card
- Great for food delivery. Earn 5% back on Uber Eats purchases and 3% back on restaurant spending.
The Uber Visa Card is the only no-annual-fee credit card that offers 5% back in Uber cash when you use Uber Eats. Purchases made on dining outside Uber Eats earns 3% back in Uber cash.
- Cash back. Earn 5% back in Uber cash on Uber Eats, Uber and JUMP, and 3% back on dining, hotels and airfare. All other purchases earn 1% back in Uber Cash.
- Signup bonus. Earn $100 once you spend $500 in the first 90 days.
- No foreign transaction fees. Use this card freely when traveling abroad and you won’t pay any foreign transaction fees.
Best restaurant credit card for balance transfers: Capital One® SavorOne® Cash Rewards Credit Card
- Great for food delivery. Earn unlimited 3% cash back on dining. According to Capital One customers, most delivery apps fall under this category.
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 15.49% to 25.49% 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
- Great for food delivery. Wells Fargo specifically points to “ordering in” as spending that earns 3x points.
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 13.99% to 25.99%.
Best restaurant credit card for international travel: Citi Prestige® Credit Card
- Not necessarily best for food delivery. While you’ll earn 5x points directly through restaurants, Citi says you won’t earn bonus rewards on purchases through “online dining delivery services.” Some customers have reported still earning bonus rewards through delivery apps, however, so your results may vary.
- However, there’s a Postmates benefit… Through World Elite Mastercard, you’ll get $5 off Postmates purchases of $25 or more. This total doesn’t include tips, taxes or delivery fees.
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
- Bonus rewards for food delivery apps: Your results may vary. Citi doesn’t specifically list these as earning 3% cash back, but some cardholders have reported getting bonus rewards through delivery apps.
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.
Best restaurant credit card for flexible rewards: Chase Sapphire Reserve®
- Excellent for food delivery. Chase pays 3x points for spending on most food delivery apps. And as of 2020, you’ll receive $60 in DoorDash statement credits each year through December 2021. You’ll also get a complimentary DashPass subscription for a minimum of one year, which you’ll need to activate by December 31, 2021.
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.
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 2020
Starting January 12, 2020, Chase increased the Chase Sapphire Reserve® card’s annual fee from $450 to $550, but it also added new benefits, including:
- 10x points on Lyft rides until March 2022.
- Complimentary Lyft Pink membership for one year worth $199.
- DashPass subscprition for one year.
- DoorDash statement credits until December 21, 2021.
Our pick for dining out
TD Cash Credit CardRead more
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.
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.
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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