This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
Do you go out to eat frequently? If your credit card only earns one point on dining rewards, you may want to look at other options. Many credit cards offer bonus points for dining that help you get more rewards in return. Since food is part of our everyday expenses, getting bonus points on restaurant purchases is an easy way to maximize your credit card benefits. Here is a list of the best credit cards for dining and restaurants.
The Best Credit Cards for Dining and Restaurants: 5x Points
Co-brand travel rewards cards tend to offer the best dining rewards. The one tradeoff is that you can only redeem your points for award travel with that particular airline or hotel.
For dining rewards, the Hilton credit cards have some of the most robust rewards at U.S. restaurants:
- 5x points: Hilton Honors American Express Card
- 6x points: Hilton Honors American Express Ascend Card
- 7x points:
The Best Credit Cards for Dining and Restaurants: 4% Back
The Uber Visa Card takes a top prize by earning 4% dining rewards on the following:
You also get 3% back on hotel and airfare, 2% back on Uber and online purchases, and 1% back for everything else.
Your points are worth one cent each and can be redeemed for Uber rides, cash back, and gift cards.
Tip: Get an extra $200 in Uber credit and 5x back on airline purchases with The Platinum Card® from American Express.
The Best Credit Cards for Dining and Restaurants: 3x Points
Most credit cards earn 2x points on dining purchase, but some rewards cards offer a little more value. Here are the best credit cards for dining and restaurants that earn 3x points.
Chase Sapphire Reserve
The Chase Sapphire Reserve earns 3x points on dining purchases. You can also earn 3X points on travel immediately after earning your $300 travel credit. As a premium travel rewards card, you also get some luxurious travel benefits including a $300 travel credit and airport lounge access.
If triple bonus point isn’t enough, your rewards points are usually worth more than with the Sapphire Reserve. Most credit card rewards points are only worth 1 cent each. With the Sapphire Reserve, your points are worth 1.5 cents each when redeemed for travel. You can also transfer them directly to your airline or hotel loyalty account where they can be worth 2 cents each! If you’re keeping track of the math, that’s double the average redemption value.
Some of the Chase Sapphire transfer partners include Southwest Airlines, United Airlines, and Hyatt. More information about the Chase Sapphire Reserve.
Bonus Recommendation: If you don’t need the premium travel benefits, you can also get the Chase Sapphire Preferred. It only earns 2 points on dining, but still has the 1:1 transfer option and a travel redemption bonus.
Capital One Savor Rewards
This credit card earns an unlimited 3% dining rewards and 2% back on grocery purchases. You won’t pay a foreign transaction fee or annual fee either. It’s not a bad option for items that are frequently purchased.
To learn more about the Capital One Savor Rewards, click here.
Costco Anywhere Visa
Costco shoppers might benefit from the . You will get 3% back on dining and travel rewards that can be redeemed for Costco cash rewards. Other purchase categories can earn either 4% or 2% back as well.
The Best Credit Cards for Dining and Restaurants: 2x Points
Most credit cards with bonus dining rewards offer 2 points per $1 spent. Here are a few of the best credit cards for dining and restaurants that earn 2x points.
Chase Ink Business Cash
The Ink Business Cash℠ Credit Card earns 2% back on the first $25,000 in combined spending for restaurants and gas stations on each account anniversary year. It also earns 5% back at office supply stores and the internet, phone, and cable purchases each account anniversary year. All non-bonus purchases earn 1% back with no limit to the amount that can be earned.
Your rewards points are worth 1 cent each for cash or travel rewards, but you might consider a Chase credit card combination to make your Ink Business Cash rewards points worth more for award travel.
United Explorer Card
For a long time, airline rewards cards only paid one point on dining purchases. That’s started to change as the competition continues to heat up!
The United Explorer Card now earns 2x points on dining and hotel stays. You can also get a 25% back on United in-flight food and beverage purchases.
American Airlines Citi/AAdvantage Platinum Select
Get 2x points at every restaurant with the . You will also earn double points for gas station and American Airlines purchases. In-flight food and beverages on AA planes are eligible for a 25% statement credit.
Another new benefit is getting a $100 American Airlines flight credit when you spend at least $20,00 in total card purchases each year.
IHG Premier Credit Card
The IHG Premier Credit Card earns 2x points on dining, groceries, and gas stations. IHG hotel purchases earn 10 points per $1. Additional IHG travel benefits include:
- Free anniversary hotel night certificate
- Fourth night free on 4+ night reward stays
- IHG Platinum Elite status
- TSA Precheck/Global Entry application fee reimbursement
Chase recently launched the IHG Traveler Credit Card that has a smaller annual fee. It still earns double dining rewards, but on 5x point on IHG stays only.
Hyatt Credit Card
The World Of Hyatt Credit Card earns 9x points total on Hyatt purchases (4x points per $1 when you use your card at Hyatt hotels & 5x points per $1 you can earn as a World of Hyatt member). You also earn 2x points on restaurants, airlines tickets purchased directly from the airlines, local transit, commuting services, and on fitness club and gym memberships.
It arguably has the best free hotel night certificate too that lets you stay at any Category 1-4 Hyatt property each year.
Marriott Bonvoy Boundless
The Marriott Bonvoy Boundless™ Credit Card doesn’t have a bonus dining category, but it earns 2x points per $1 spent on all non-Marriott purchases. Cardholders can earn 6x points per dollar spent at over 6,900 participating Marriott Bonvoy hotels. This card also comes with a free anniversary night certificate (up to 35,000 points) after each account anniversary.
Capital One Venture
Most reward credit cards offer tiered rewards categories. That’s how dining rewards earn more points with some cards than others. Capital One® Venture® Rewards Credit Card is a flat-rate travel reward credit card that earns 2x miles on every purchase (including dining), but Hotels.com purchases get a 10x bonus.
Your miles can be redeemed for travel purchases or used to book future travel with the Capital One travel portal. The Capital One Venture comes with a number of benefits including a $100 application fee credit for Global Entry or TSA PreCheck and the ability to transfer your miles to over 12 leading travel loyalty programs.
Tip: The Capital One Venture and the Chase Sapphire Preferred are often referred to as the top travel credit cards that you could own. See our comparison of the two travel rewards cards here.
Citi Double Cash
If you prefer cash rewards to travel rewards, the gets 2% back on every purchase. You can redeem your rewards for cash statement credits. Citi will even pay your first late fee in case you forget to make a payment. That’s a nice perk that comes with this dining rewards credit card.
Summary of the Best Credit Cards for Dining and Restaurants
As you can see, there is a variety of options available when it comes to the best credit cards for dining and restaurants. It doesn’t matter if you prefer travel rewards or cash rewards, you have many options to earn bonus dining rewards. Thankfully, choosing the best card is easier than deciding what to pick from the menu tonight!
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.