The best credit cards for restaurants in 2024

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Featured Offer

American Express? Gold Card

Welcome Bonus

Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

60,000 points + earn up to $100 back

Regular APR

See Pay Over Time APR

Annual Fee

$325

Credit Score

Credit Score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Excellent, Good

Partner Offer

Rates & Fees / Terms Apply

Apply Now

On American Express's Website

Citi Strata Premier? Card

*

The information for the Citi Strata Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best restaurant card for groceries and gas

Key takeaways

10X

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.

3X

Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.

1X

Earn 1 Point per $1 spent on all other purchases.

Rates & Fees

4.9/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best restaurant card for groceries and gas

Welcome bonus offer

70,000 bonus ThankYou? Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.

70,000 bonus points

Annual fee

$95

Regular APR

20.74% – 28.74% (Variable)

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

The Citi Strata Premier Card comes with generous rewards in multiple categories for a reasonable $95 annual fee. You’ll earn 3 Citi ThankYou Rewards? points per dollar on gas, EV charging, groceries and dining — no other card on this list offers more than 2 points per dollar in all of these categories. The Citi Strata Premier falls short of the Sapphire Preferred in a few small ways. For instance, Citi ThankYou points are slightly less valuable than Chase Ultimate Rewards points, according to travel website The Points Guy. The Sapphire Preferred also offers better purchase protection and travel benefits.

+ Pros

• Bonus rewards on everyday spending categories?
• Flexible redemption options?
• Annual hotel discount

– Cons

• Low base rewards rate?
• Charges a $95 annual fee
• Must book through Citi Travel to get hotel discount

Highlights

• Earn 70,000 bonus ThankYou^? Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and?Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

American Express? Green Card

*

The information for the American Express? Green Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best restaurant card for transit and travel

Key takeaways

3X

Earn 3x Membership Rewards points on eligible travel, transit and restaurant purchases including takeout and delivery in the U.S.

1X

Earn 1x points on other purchases

4.6/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best restaurant card for transit and travel

Welcome bonus offer

Earn 40,000 points after spending $3,000 on purchases in the first 6 months

40,000 points

Annual fee

$150

Regular APR

See Pay Over Time APR

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

The Amex Green (terms apply, rates and fees) is sometimes underrated, but it offers 3 American Express Membership Rewards? points per dollar spent on dining, transit and travel. The card’s main restaurant-related perk is its 3 points per dollar on dining, including takeout and delivery in the U.S., but its other rewards and perks make it a solid package. For instance, elevated rewards on commute-related expenses (think train and bus fares, among other charges) are relatively uncommon. If you tend to rack up dining expenses while traveling, you may also want this card for its travel perks, including up to $199 per year to reimburse your CLEAR? Plus membership, which offers expedited security screening in a number of US airports.

+ Pros

• Earn 3X Membership Rewards? points on eligible travel, transit and restaurant purchases including takeout and delivery in the U.S. and 1X points on other purchases
• Up to $189 in statement credits per year for CLEAR? Plus membership
• Up to $100 per year in statement credits toward Lounge Buddy airport lounge access

– Cons

• Annual fee is higher than comparable mid-tier travel cards
• Base rewards rate is 1 point per dollar
• Statement credits can be hard to maximize

Highlights

• Earn 40,000 points after spending $3,000 on purchases in the first 6 months
• Earn 3 points per dollar spent on travel, transit purchases and eligible purchases at restaurants worldwide
• Earn 1 point per dollar on all other eligible purchases
• $189 CLEAR? Plus and $100 LoungeBuddy credits
• Trip delay insurance
• No foreign transaction fees

All information about American Express? Green Card has been collected independently by CNN Underscored.

Capital One Venture Rewards Credit Card

Best restaurant card for flat-rate travel rewards

Key takeaways

2X

Earn unlimited 2x miles on every purchase, every day

5X

Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. Earn 5X miles on Capital One Entertainment purchases through 12/31/25.

4.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best restaurant card for flat-rate travel rewards

Learn More

On CardRatings’s Secure Website

Welcome bonus offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Earn 75,000 bonus mile

Annual fee

$95

Regular APR

19.99% – 29.99% (Variable)

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

The Capital One Venture card earns Capital One miles that you can optimize by converting them into rewards with over a dozen airline and hotel partners. This card sets itself apart with a 2x mile rewards rate, regardless of the purchase category (plus 5x miles on hotels and rental cars booked through Capital One Travel). While this isn’t the highest possible return on dining, it’s easy to remember what you get per dollar you spend. There’s also a hefty welcome bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel, which is generous, especially considering this card’s modest annual fee of $95.

+ Pros

• Welcome bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Up to $120 credit for Global Entry or TSA PreCheck
• Miles transfer to airline and hotel partners

– Cons

• Limited bonus rewards opportunities
• Charges a $95 annual fee
• Rewards are best suited for travel and are worth much less if you redeem for cash back

Highlights

• 2x miles on most spending
• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• $95 annual fee
• No foreign transaction fee
• Up to $100 credit to cover the application fee for Global Entry or TSA PreCheck
• Ability to transfer your miles to more than a dozen travel loyalty programs

Chase Sapphire Reserve?

Best restaurant card for luxury travel benefits

Key takeaways

5x

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel? immediately after the first $300 is spent on travel purchases annually

3x

Earn 3x points on other travel and dining and 1x points on all other purchases

4.4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best restaurant card for luxury travel benefits

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

Annual fee

$550

Regular APR

22.49%-29.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent</div>

Why we picked it

The Sapphire Reserve earns 3 points per dollar spent on dining. You can also use Chase’s dining platform to get exclusive restaurant reservations and unlock a higher earning rate – Chase Dining spending earns 10 points per dollar. Card holders also get food delivery perks in the form of at least a year of free DoorDash DashPass membership (activation required by Dec. 31, 2024). Also through Dec. 31, 2024, you can enroll to get $5 per month in DoorDash/Caviar credits. The Sapphire Reserve is also a standout travel card, with perks including airport lounge access, top-notch trip protections and primary car rental insurance.

+ Pros

• Offers up to $300 in annual statement credits to cover travel
• Provides luxury travel benefits such as airport lounge access
• Points are worth 50% more when used to reserve travel through Chase Travel?

– Cons

• $550?annual fee
• $75 annual fee for each authorized user
• Must book travel through Chase Travel? to unlock highest rewards rates

Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

American Express? Gold Card

Best rewards rate on dining

Key takeaways

4X

Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.

4X

Earn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.

3X

Earn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.

2X

Earn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.

1X

Earn 1X Membership Rewards? point per dollar spent on all other eligible purchases.

Partner Offer

Rates & Fees / Terms Apply

4.2/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best rewards rate on dining

Apply Now

On American Express’s Secure Website

Welcome bonus offer

Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

Earn 60,000 points + earn up to $100 back

Annual fee

$325

Regular APR

See Pay Over Time APR

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

The Amex Gold (terms apply, see rates and fees) is a darling of the foodie world, and it ties for the highest rewards rate on dining of any card on our list: 4 Membership Rewards points per dollar at restaurants worldwide and on takeout and delivery in the U.S. (on up to $50,000 per year in spending per year, then 1 point per dollar, starting Jan. 1, 2025). If your foodie habits extend to your own kitchen, you’ll also appreciate earning 4 points per dollar at U.S. supermarkets on up to $25,000 spent each year (then 1 point per dollar). Amex Membership Rewards points are valuable and flexible, so the rate of return on dining rewards works out well for people who are partial to the Amex program. The card also provides $10 in Uber Cash each month, which can cover Uber Eats spending. You can also get up to a $10 monthly statement credit to cover eligible dining spending (including Grubhub orders and Five Guys purchases), up to $84 per year (up to $7 per month) in credits toward eligible Dunkin’ purchases, and up to $100 per year in credits toward Resy restaurant spending. But you’ll need to make sure the $325 annual fee is worth it.

+ Pros

• High return on grocery and dining purchases
• Points can be redeemed with travel partners for a higher return
• Up to $20 in monthly Uber and dining credits (enrollment required)

– Cons

• Charges a $325 annual fee
• Grocery bonus capped at $25,000 of spending annually
• Rewards are best suited for travel and not ideal if you prefer cash back

Highlights

• Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
• Get the American Express? Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
• Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards? point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express? Gold Card at Dunkin’ locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express? Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express? Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

U.S. Bank Altitude? Go Visa Signature? Card

*

The information for the U.S. Bank Altitude? Go Visa Signature? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best cash back restaurant card

Key takeaways

4X

Earn 4 points per dollar on dining, takeout, and restaurant delivery

2X

Earn 2 points per dollar at grocery stores, grocery delivery, gas stations and on streaming services

1X

Earn 1 point per dollar on all other eligible purchases

3.4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best cash back restaurant card

Welcome bonus offer

Earn 20,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more

20,000 bonus points

Annual fee

$0

Regular APR

18.24% – 29.24% (Variable)

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent Credit</div>

Why we picked it

With 4x points on dining, the Altitude Go ties for the highest earning rate on dining spending on this list. You won’t have to pay an annual fee for this card, either. But you can’t transfer U.S. Bank’s points to travel loyalty programs, making them less flexible than points earned with programs such as Chase Ultimate Rewards or Amex Membership Rewards. If you’re looking for a simple rewards program anyway, earning with the Altitude Go and redeeming for cash back is a good way to go.

+ Pros

• $15 annual credit on streaming services
• 4 points per dollar on dining, takeout, and restaurant delivery, 2 points per dollar at grocery stores, grocery delivery, gas stations, streaming services and on EV charging stations and 1 point per dollar on all other eligible purchases
• Welcome bonus of 20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening

– Cons

• No bonus on flights, hotels or other travel purchases
• U.S. Bank doesn’t have any travel transfer partners
• Low base rewards rate

Highlights

• Earn 20,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening. That’s a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
• 4 points per dollar spent on dining, takeout, and restaurant delivery
• 2 points per dollar spent on streaming services and a $15 credit for annual streaming purchases
• 2 points per dollar spent at grocery stores and delivery, gas stations, and EV charging stations (excluding discount stores, supercenters and wholesale clubs effective September 9, 2024)
• 1 point per dollar spent on all other eligible purchases
• No annual fee
• Points never expire

Capital One SavorOne Cash Rewards Credit Card

Best restaurant card for no annual fee

Key takeaways

8%

Earn 8% cash back on Capital One Entertainment purchases

3%

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart? and Target?)

5%

Earn 5% cash back on hotels and rental cars booked through Capital One Travel

1%

Earn 1% cash back on all other purchases

3.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best restaurant card for no annual fee

Learn More

On CardRatings’s Secure Website

Welcome bonus offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

$200

Annual fee

$0

Regular APR

19.99% – 29.99% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

The Capital One SavorOne Cash Rewards Credit Card is an outstanding card for foodies who don’t want to pay an annual fee. It’s the little credit card that could, earning unlimited 3% cash back at restaurants. The card also earns 3% back at grocery stores. It even comes with a 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months. One drawback? The Capital One SavorOne Cash Rewards Credit Card only earns cash back, so consumers seeking travel rewards should consider a different product.

+ Pros

• High cash back rate in certain categories
• 0% introductory APR on purchases and balance transfers for the first 15 months (then a 19.99% – 29.99% Variable APR)
• No foreign transaction fee

– Cons

• Requires strong credit
• Low base rewards rate
• May charge a high regular APR (19.99% – 29.99% Variable)

Highlights

• 3% cash back on dining, entertainment, popular streaming services and at grocery stores (not including superstores such as Walmart? and Target?)
• 5% cash back on hotels and rental cars booked through Capital One Travel
• 8% cash back on Capital One Entertainment
• 1% back on purchases outside of bonus categories
• $200 cash bonus after spending $500 on purchases within the first three months from account opening
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
• No annual fee
• No foreign transaction fee

U.S. Bank Altitude? Go Secured Visa? Card

*

The information for the U.S. Bank Altitude? Go Secured Visa? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best restaurant card for bad/no credit

Key takeaways

4X

Earn 4x points on dining and takeout

2X

Earn 2x points at grocery stores, gas stations and on streaming services

1X

Earn 1x point on all other eligible purchases

3.2/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best restaurant card for bad/no credit

Welcome bonus offer

N/A

N/A

Annual fee

$0

Regular APR

29.99% variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Bad/Poor</div>

Why we picked it

Consumers with poor credit can earn rewards on dining expenses with the Altitude Go Secured. With this secured credit card, you’ll earn a whopping 4 points per dollar spent on dining, including takeout and restaurant delivery expenses, which can add up quickly if you frequently eat out. You’ll also earn 2 points per dollar on groceries and streaming services, and at gas stations and electric vehicle charging stations. Starting Sept. 9, 2024, you’ll earn 1 point per dollar if you do your grocery shopping at discount stores or supercenters or if you fill your tank or charge your EV at discount stores, supercenters, grocery stores or wholesale clubs. Everything else earns 1 point per dollar.

+ Pros

• Strong bonus rewards categories
• No annual fee
• $15 annual credit to cover eligible streaming expenses

– Cons

• Must provide a security deposit in order to use the card
• Low base rewards rate
• Above-average APR

Highlights

• Earn 4 points per dollar spent on dining and takeout, 2 points at grocery stores, gas stations and on streaming services and 1 point on all other eligible purchases
• Earn a $15 streaming credit for annual streaming service purchases like Netflix and Spotify
• $0 annual fee

American Express? Business Gold Card

*

The information for the American Express? Business Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best restaurant card for small businesses

Key takeaways

4X

Earn 4X points in the 2 select categories where you spend the most each month (4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year, then earn 1 point per dollar)

3X

Earn 3X points on flights and prepaid hotels booked on Amex Travel; Earn 1X points on all other purchases

4.2/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best restaurant card for small businesses

Welcome bonus offer

Earn 100,000 Membership Rewards? points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

Earn 100,000 points

Annual fee

$375

Regular APR

18.99% – 27.99% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent/Good</div>

Why we picked it

The Amex Business Gold (terms apply, see rates and fees) offers a flexible rewards structure that can serve businesses with regular dining expenses. The card earns 4x points in your top two spending categories from a list of six options, one of which is U.S. restaurants. That 4x rate applies to your first $150,000 in combined purchases, then you’ll earn 1x. If your business expenses include Grubhub purchases, you can cover them with the card’s up to $240 annual flexible business credit (distributed in $20 monthly increments). Other card perks include a $100 experience credit to use on dining or another eligible expense with a participating hotel reservation. This small-business card charges a steep $375 annual fee, but that charge can be worth it for the right users.

+ Pros

• Opportunity to earn 4 points per dollar on gas purchases
• High-value redemption options via airline and hotel partners
• Monthly credits toward FedEx and more

– Cons

• 4x bonus points capped at $150,000 of eligible purchases annually
• Charges a $375 annual fee
• Rewards are best suited for travel and not ideal if you prefer cash back

Highlights

• Welcome Offer: Earn 100,000 Membership Rewards? points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.99% to 27.99% variable APR.*
• Earn 4X Membership Rewards? points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards? points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95 statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

All information about American Express? Business Gold Card has been collected independently by CNN Underscored.

Aeroplan? Credit Card

Best restaurant card for airline miles

Key takeaways

3X

Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, and Air Canada directly

1X

Earn 1x points for each dollar spent on all other purchases

4.5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best restaurant card for airline miles

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.

Earn up to 100,000 points

Annual fee

$95

Regular APR

21.74% – 28.74% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

The is an ideal airline credit card for frequent flyers who rack up restaurant expenses. You’ll earn 3x points for restaurant dining, including spending on takeout and eligible delivery services. This card can still be a solid choice for travelers who don’t fly Air Canada. That’s because you can redeem Aeroplan points for flights with Star Alliance airlines and other airline partners, including United Airlines, Lufthansa and Singapore Airlines.

+ Pros

• Earns bonus points each month you spend at least $2,000 on purchases
• No foreign transaction fee
• Multiple point redemption options

– Cons

• $95 annual fee
• Low base rewards rate
• Free first checked bag only available when travel originates on an Air Canada flight

Highlights

• Earn up to 100,000 bonus points
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
• $95 Annual Fee
• Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
• Fly to another continent and travel the world with the Aeroplan® Credit Card.
• Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
• 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
• Member FDIC

The World of Hyatt Credit Card

*

The information for the The World of Hyatt Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best restaurant card for hotel points

Key takeaways

4X

Earn 4 bonus points per $1 when you use your card at Hyatt hotels & 5 bonus points per $1 from Hyatt as a World of Hyatt member

2X

Earn 2 points per dollar at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting, and on fitness club and gym memberships

1X

Earn 1 point per dollar on all other eligible purchases

4.1/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best restaurant card for hotel points

Welcome bonus offer

Earn 5 free nights at any Category 1 – 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.

Earn 5 free nights

Annual fee

$95

Regular APR

21.49% – 28.49% variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

The World of Hyatt Credit Card earns a cool 2x World of Hyatt points on restaurant spending. Plus, card holders can get free food delivery with one year of free DashPass when they activate by Dec. 31, 2024. The card is most valuable for its Hyatt hotel perks, which include 4x points on Hyatt spending and a free night at an eligible Hyatt hotel for your card holder anniversary.

+ Pros

• Substantial welcome bonus offer
• Annual free night at Category 1 to 4 Hyatt hotels each account anniversary
• Complimentary Discoverist elite status

– Cons

• $95 annual fee
• High spending requirement to unlock full welcome bonus offer
• Low base rewards rate

Highlights

• Earn 5 free nights at any Category 1 – 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.
• Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
• Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
• Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
• Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
• Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
• Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
• Member FDIC

Our picks at a glance

?	Annual fee	Welcome bonus	Best for?	Notable feature
Chase Sapphire Preferred? Card	$95	60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening	Restaurants	At least one year of free DashPass when you activate by Dec. 31, 2024
Citi Strata Premier? Card * The information for the Citi Strata Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$95	70,000 bonus ThankYou? Points after spending $4,000 in the first three months of account opening	Groceries and gas	3x points at restaurants, gas stations, EV charging stations and grocery stores
American Express? Green Card * The information for the American Express? Green Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$150	40,000 points after spending $3,000 on purchases within the first six months of account opening	Transit and travel	3x points on dining, travel and transit
Capital One Venture Rewards Credit Card	$95	75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel	Flat-rate travel rewards	2x miles on most spending
Chase Sapphire Reserve?	$550	60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening	Luxury travel benefits	3x Chase Ultimate Rewards points at restaurants, and 10x on Chase Dining spending
American Express? Gold Card (terms apply, see rates and fees)	$325 (see rates and fees)	60,000 Membership Rewards? points after spending $6,000 on eligible purchases in the first six months of card membership. Plus, receive 20% back in statement credits on eligible restaurant purchases worldwide (up to $100 back) within the first six months of card membership (offer ends 11/6/24)	Rewards rate on dining	Statement credits for dining
U.S. Bank Altitude? Go Visa Signature? Card * The information for the U.S. Bank Altitude? Go Visa Signature? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	20,000 bonus points after spending $1,000 in eligible purchases within the first 90 days of account opening	Cash back	4x points on dining, including takeout and restaurant delivery
Capital One SavorOne Cash Rewards Credit Card	$0	$200 cash bonus after spending $500 on purchases within the first 3 months from account opening	No annual fee	High cash back rate in certain categories
U.S. Bank Altitude? Go Secured Visa? Card * The information for the U.S. Bank Altitude? Go Secured Visa? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$0	N/A	Bad/no credit	4x points on dining, including takeout and restaurant delivery
American Express? Business Gold Card * The information for the American Express? Business Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$375	100,000 Membership Rewards? points after spending $15,000 on eligible purchases within the first 3 months of opening an account	Small businesses	$240 flexible business credit can cover Grubhub spending
Aeroplan? Credit Card	$95	75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months	Airline miles	Air Canada perks
The World of Hyatt Credit Card * The information for the The World of Hyatt Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$95	five free nights at any Category 1 – 4 Hyatt hotel or resort after spending $4,000 on purchases in the first three months from account opening.* These nights could be worth up to 90,000 points	Hotel points	One year of free DashPass when you activate by Dec. 31, 2024

See MoreSee Less

All information about American Express? Business Gold Card and American Express? Green Card has been collected independently by CNN Underscored.

How do dining rewards credit cards work?

Dining rewards credit cards earn points, miles or cash back on the money you already spend on eating out. Card reward programs may have different setups, but in general, you can expect the following when you use one of the best dining credit cards:

• Earn multiple points per dollar you spend at restaurants worldwide: You’ll typically earn points or cash back at an elevated rate of 2x to 4x. A small number of cards offer rotating bonus categories instead of consistent bonus rewards on dining. This means that some non-optimized credit cards can suddenly become a ticket to massive rewards. For example, Discover it? Cash Back * The information for the Discover it? Cash Back has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. earned 5% back at restaurants in the first quarter of 2024 when card holders activated the category (on up to $1,500 spent, then it earns 1%).
• Rewards can come in many forms, including cash back, statement credits or travel rewards: Credit cards for restaurants offer different ways to reap your rewards. A good card for you will play off your financial habits.
• Bonus rewards on other categories of spend: Most cards aren’t designed exclusively for restaurant expenses. Many also offer elevated rewards on other expense categories, such as travel or groceries.

Pros and cons of restaurant credit cards

The most obvious reason to use a restaurant credit card is to earn rewards on every dollar you spend dining out. You may also find perks such as exclusive access to restaurant reservations or statement credits to cover some of your dining expenses.

However, you often pay for the benefits you receive — quite literally. Most of our top restaurant credit cards come with an annual fee, up to a high of $550 with the Chase Sapphire Reserve?. A dining card could also entice you to spend more at restaurants than you otherwise would because you want to maximize your earning opportunities.

Best practices for restaurant card users

The first rule of credit card rewards is to pay off your balance in full every month. Otherwise, interest charges can quickly outweigh the value of your rewards. You should do this every statement period unless you have a very specific reason not to — such as enjoying a 0% intro APR. And even then, you should be planning to pay off the balance in full before your zero-interest term is up.

With the responsibility lecture out of the way, here’s what foodies and friends should know about maximizing credit card rewards:

• Always pay for meals out with the restaurant credit card of your choice. You can get to Hawaii that much faster if you pay for your cash-carrying friends as well, then ask them to pay you back for their share of the food. Obviously, only do this with friends you can trust to repay you.
• Keep track of your benefits and perks. For example, the American Express? Gold Card and the Amex Business Gold offer monthly credits that can equate to free food. But there are specific rules around how to redeem them, so make sure you read the fine print so you don’t miss out on yummy cheesecake or a hot takeout meal after a long day.
• Sign up for dining rewards programs. Your points can add up quickly if you’re savvy about stacking earning opportunities. Many travel rewards programs offer dining rewards programs (such as Eat Around Town by Marriott Bonvoy and United’s MileagePlus Dining). With these programs, you can link a credit card and earn bonus points or miles in the relevant loyalty program when you use your card at participating restaurants.

Factors to consider when choosing a dining credit card

First and foremost, the best dining credit card for you will meet you (and accept you) at your credit score, because this conversation is moot if you aren’t approved for the card you want.

After that, different forks for different folks: Pick a card that rewards you best in the way you like to eat and earn. If you want to keep things simple, a cash back card such as the Capital One SavorOne Cash Rewards Credit Card may be your best bet. But if you want to optimize rewards for travel, a Chase Sapphire Preferred? Card may be a better fit.

Similarly, don’t splurge on a card with a high annual fee if you avoid fine dining or are on a limited budget. The rewards you’ll earn from your relatively low dining spend may not cancel out the cost of maintaining that credit card.

Methodology

Our money and data analytics teams evaluated over three dozen restaurant credit cards. We then narrowed down our list of the best 12 restaurant cards by giving them a star rating out of five, based on the following factors and our editorial judgment:

Rewards value (35%)

Many restaurant credit cards earn rewards, but not all credit card points and miles are worth the same amount. We used spending data from the Bureau of Labor Statistics and estimates of rewards values from The Points Guy to determine which cards dole out the best rewards value.

Welcome bonus value (25%)

Many rewards cards offer bonus cash back, points or miles to consumers who spend a certain amount in their first months with the card. We calculated how much those bonuses are worth using points valuations from The Points Guy, and boosted cards that offer more value.

Select fees (25%)

We considered whether cards charged annual fees or foreign transaction fees, and favored cards with no or low fees.

Benefits (10%)

Cards that offer benefits such as cell phone protection, purchase protection, extended warranty and a 0% introductory APR on purchases and balance transfers received a boost.

Annual credits and bonuses (5%)

Credit cards that come with credits and bonuses for spending in categories including groceries, dining, entertainment and gas received a boost.

What didn’t make the cut

The following options are also fantastic examples of top-tier restaurant credit cards. Here’s what you should know about these restaurant credit cards, and why we decided not to include them in our all-star roster.

• Bilt Mastercard? (terms apply, see rates and fees): The Bilt Mastercard earns 3x points on dining, and card holders can use the Concierge Service to secure dinner reservations (see rewards & benefits). to secure dinner reservations. However, the card doesn’t include a welcome bonus, and Bilt Rewards is geared toward renters.
• Hilton Honors Aspire Card from American Express * The information for the Hilton Honors Aspire Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : The Amex Hilton Aspire Card is a beast when it comes to Hilton hotel benefits. You’ll get top-tier elite status in Hilton Honors, and you’ll earn a generous 7x points at U.S. restaurants. However, these benefits aren’t appealing if you don’t stay with Hilton, and the card charges a high annual fee.
• Capital One Venture X Rewards Credit Card: The Venture X is a strong member of the premium credit card market, but it earns 2x points on dining, just like the Capital One Venture card, which has a much lower annual fee.
• Citi Custom Cash? Card * The information for the Citi Custom Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : This card gives you 5% back on up to $500 spent in your top spending category each billing cycle (then 1%) from a list of eligible categories, including restaurants. The $500 cap may be low for some foodies, and if dining isn’t your highest spending category, you’ll earn just 1% back on all restaurant spending.

Frequently asked questions (FAQs)

To view rates and fees for the American Express? Green Card * The information for the American Express? Green Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.

To view rates and fees for the American Express? Business Gold Card * The information for the American Express? Business Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.

To view rates and fees for the American Express? Gold Card, please visit this page.