Best Credit Cards for Dining Rewards | CompareCredit.com

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Best Dining Credit Cards

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Citi® Double Cash Card – 18 month BT offer

(3,041 reviews)

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on Citibank's secure site

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 0% for 18 months on Balance Transfers
  • No annual fee and $0 liability on unauthorized charges
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Capital One SavorOne Cash Rewards Credit Card

(847 reviews)

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on Capital One's secure site

  • $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • 3% Cash Back on dining & entertainment, 2% Cash Back at grocery stores, 1% Cash Back on all other purchases
  • 0% intro on purchases for 15 months, 15.49% - 25.49% (Variable) thereafter
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee

Capital One Venture Rewards Credit Card

(1,137 reviews)

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on Capital One's secure site

  • 60,000 Miles once you spend $3,000 on purchases within 3 months from account opening
  • 2 Miles per dollar on every purchase, every day
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • $95
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees

Chase Freedom Flex

(307 reviews)

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on Chase's secure site

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
  • 0% Intro APR on Purchases for 15 months
  • $0
  • Excellent/Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

See additional details for Chase Freedom Flex

Capital One Quicksilver Cash Rewards Credit Card

(2,799 reviews)

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on Capital One's secure site

  • $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • 1.5% Cash Back on every purchase, every day
  • 0% intro on purchases for 15 months, 15.49% - 25.49% (Variable) thereafter
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees

American Express® Gold Card

(11 reviews)

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on American Express' secure site

Rates & Fees

  • 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months
  • No foreign transaction fees
  • $250
  • Good, Excellent
  • AMEX
Product Details
  • Click "APPLY NOW" to apply online
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: 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.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

See additional details for American Express® Gold Card

Chase Freedom Unlimited®

(211 reviews)

Apply Now

on Chase's secure site

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR on Purchases for 15 months
  • 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases
  • $0
  • Excellent/Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®


Dining Rewards Credit Cards

Eating out at restaurants is one of the favorite pastimes for American consumers. In fact, spending on dining surpassed spending on groceries for the first time ever in 2015 and the trend has continued ever since. For those who frequently spend on dining out, carrying a credit card that offers bonus rewards on dining is an excellent idea.

Best Dining Credit Cards

Dining rewards can come in the form of cash back, points, or travel rewards. Many consumers prefer rewards credit cards that offer a simple flat rate of cash back or points on all purchases. Cards like these are excellent options if you don’t want to have to put any extra thought into your credit card rewards and simply want to earn the most rewards for all purchases.

On the other hand, there are a number of credit cards that are specifically designed to rewards consumers for spending on dining. These cards may offer 3x points, or up to 4% cash back on dining, while offering a lower rewards rate for other purchases. If you regularly spend money on dining, then one of these cards could be the best fit for you to help you maximize rewards.

Dining Rewards – Sign Up Bonuses and Annual Fees

In addition to the rewards rates, most credit cards with dining rewards will offer sign up bonus to help you kickstart your rewards earning. Typically you have to hit a minimum spending requirement within a few months to earn your bonus. Keep an eye on your spending to make sure you hit the target and receive your bonus, but you also want to be careful to not spend money that you don’t have.

Some of the top dining credit cards with come with an annual fee. People have differing opinions on whether you should carry a credit card with an annual fee, but ultimately it depends on your spending habits. If you spend hundreds of dollars on dining each quarter then using a dining credit card with an annual fee can be worth it to ensure you’re earning the most rewards. But if you only dine out a few times a month, you may not earn enough rewards to justify paying an annual fee on your credit card.

The Bottom Line

As long as you pay your balance off in full each month, carry a dining rewards credit card is an easy way to pocket some extra rewards every time you go out to eat. Which dining card is best for you will depend on your spending habits and the varying benefits of each card. Take a look at the dining rewards credit cards listed above and pick the best one for you!