Best Credit Cards for Dining Rewards | CompareCredit.com

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Best Dining Credit Cards

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Capital One® Venture® Rewards Credit Card

(203 reviews)

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  • 50,000 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
  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 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

American Express Cash Magnet® Card – $150 Welcome Offer

(539 reviews)

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Rates & Fees

  • $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months
  • Unlimited 1.5% Cash Back on your purchases
  • Easily redeem cash back for statement credits, gift cards, and merchandise
  • $0
  • Good, Excellent
  • AMEX
  • Click "APPLY NOW" to apply online
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.

Citi® Double Cash Card – 18 month BT offer

(1,833 reviews)

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  • 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
  • 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® Quicksilver® Cash Rewards Credit Card

(430 reviews)

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  • $150 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
  • Click "APPLY NOW" to apply online
  • One-time $150 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

Chase Freedom Unlimited®

(1,347 reviews)

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  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR on Purchases for 15 months
  • Unlimited 1.5% cash back on all other purchases
  • $0
  • Excellent/Good
  • 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 grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • 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®

Hilton Honors American Express Surpass® Card

(33 reviews)

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Rates & Fees

  • Earn up to 12X Hilton Honors Bonus Points on select purchases
  • 125,000 Hilton Honors Bonus Points after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year
  • $95
  • Good, Excellent
  • AMEX
  • Click "APPLY NOW" to apply online
  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.

American Express® Gold Card

(10 reviews)

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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.
  • 35,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months
  • $100 Airline Fee Credit and no foreign transaction fees
  • $250
  • Good, Excellent
  • AMEX
  • Click "APPLY NOW" to apply online
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $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.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

See additional details for American Express® Gold Card


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!

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