Best Credit Cards For Restaurants in 2020

Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers.

How much do you love food? Are you the kind of foodie who goes to a restaurant and knows every item on the menu because you researched it on Yelp before you arrived?

Do you watch YouTube videos of foods that most people have never heard of so that you can pronounce it perfectly and beat your waiter to reciting every detailed ingredient?

Or, do you simply like to tag along with foodie friends who take you to bougie spots where the vibes (and the wine) are flowing?

No matter what you like about dining out, if you find yourself eating at a restaurant 2-3 times a week, you need to have a credit card that rewards you.

You’re in luck! We’ve put together a list of the top 12 credit cards for dining out, whether you’re eating out for business or pleasure.

12 Best Credit Cards for Restaurants and Dining Out

 American Express® Gold Card: Best High-End Card

American Express Gold Card
  • Welcome Bonus: 35,000 Membership Rewards Points after spending $4,000 in the first three months from account opening
  • Earning Potential: 4X points at restaurants and U.S. supermarkets (on up to $25,000 per year, then 1X), 3X points on flights, 1X points on other purchases
  • Annual Fee: $250

Eat your way through your next vacation, and while you’re home too!

No need to penny-pinch on dinner with this card because of its unheard of up to $120 annual food credit. Yes, that’s right – up to an annual $120 gift to eat out anywhere you want.

This already begins to make up for the Gold Card’s $250 Annual Fee, but there’s more. This card lets you earn quadruple points at the supermarket. And currently, this card offers a Welcome Bonus of 35,000 Membership Rewards® Points when you make $4,000 in purchases during your first 3 months.

Combine that with its 4X Membership Rewards® points back for dining at restaurants anywhere in the world – and your mouth begins to salivate. It’s okay, we know.

Last, you can earn up to $10 in statement credits monthly when you pay with the Gold Card at food locations like Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack stores.

If you do the math, this can bring in an annual savings of up to $120, just from the convenience of eating out when you travel. It’s easy to see why the American Express Gold Card is easily one of the very best reward credit cards for dining out.

Pro Tip: Check out all of our Best American Express Credit Cards for 2020.

Capital One® SavorOne® Cash Rewards Credit Card: Best Card With No Annual Fee

capital one savorone cash rewards credit card
  • Welcome Bonus: $150 cash bonus after spending $500 in the first 3 months of opening account
  • Earning Potential: Unlimited 3% cash back on dining and entertainment, 2% cash back at grocery stores and 1% cash back on other purchases
  • Annual Fee: $0

This card is similar to the Capital One Savor card with great foodie benefits, but without the $95 annual fee.

The Capital One SavorOne Cash Rewards Credit Card pays unlimited 3% cash back on all dining and entertainment, and you still get to enjoy 2% cash back at grocery stores and 1% on every other purchase.

Right now, this card also has a 0% APR introductory bonus for the first 15 months that would be great for a big purchase or balance transfer.

Pro Tip: Check out all of our Best Credit Cards for 2020.

Chase Sapphire Preferred® Card: Best Sign-up Bonus

chase sapphire preferred credit card
  • Welcome Bonus: 80,000 point bonus after spending $4,000 in the first three months
  • Earning Potential: 2X points on travel and dining out, 1X points on other purchases
  • Annual Fee: $95

Enjoy the same international hotel and travel partners as with the Chase Sapphire Reserve card, plus some other perks.

While the Chase Sapphire Reserve card lets you earn 3X points on dining, the Chase Sapphire Preferred card knocks the annual fee down to $95 but still offers 2X points on all travel and dining purchases worldwide.

Its 80,000 Chase Ultimate Rewards® bonus after $4,000 on purchases in your first three months equals $1,000 in travel and dining rewards.

Pro Tip: Check out all of our Best Sign-up Bonus Credit Cards for 2020.

US Bank Cash+™ Visa Signature® Card: Best Customizable Rewards Card

US bank cash+ visa signature credit card
  • Welcome Bonus: $150 cash bonus after spending $500 in the first 90 days from account opening
  • Earning Potential: 5% cash back on the first $2,000 in combined purchases quarterly on two categories you choose, 2% cash back on one category you choose, 1% on other purchases
  • Annual Fee: $0

If you are someone who likes to micromanage your rewards, the US Bank Cash+™ Visa Signature Card can offer you full reign of your financial fate, starting with 0% intro APR for the first 12 months.

This card was meant to optimize according to your spending habits, so for frequent restaurant-goers, this means getting paid to eat out!

Here’s how it works: Choose up to two categories to earn 5% cash back on your first $2,000 in purchases.

This means you can get up to $400 in cash-back bonuses every year, just for eating at your favorite dining spot. Combine these rewards with the $150 welcome bonus, and you’ll see a maximum of $550 in rewards in your first 12 months.

Plus, enjoy 2% cash back on your choice of one “everyday” category like gasoline and groceries. And, the cherry on top of this delicious sundae is the 1% cash rewards on every other eligible purchase.

Oh, and did we mention no annual fee?

Pro Tip: Check out all of our Best Rewards Credit Cards for 2020.

Chase Sapphire Reserve®: Best Premium Rewards Card

Chase Sapphire Reserve Credit Card
  • Welcome Bonus: 50,000 bonus points after spending $4,000 in the first three months from account opening
  • Earning Potential: 3X points on travel, 3X points on dining, 1X for other purchases
  • Annual Fee: $550

If your idea of dining out is in a 4-or-5-star hotel or dining “up” in business class with your favorite airline, then consider the Chase Sapphire Reserve card with a $550 annual fee that pays for itself.

Chase’s international hotel partnerships let you redeem your Chase Ultimate Rewards® points with nine airlines around the world, including Aer Lingus, British Airways, and Iberia Plus, among others.

You can also redeem your points for room service and hotel dining with IHG® Rewards Club, Marriott Bonvoy™, and World of Hyatt®.

What about dining rewards? You’ll earn 3X points on travel and dining worldwide, as well as 50,000 bonus points after you spend $4,000 on purchases in the first three months.

These points translate to $625 toward travel or dining at any one of Chase’s partner hotels. The only other question to consider is – How do you like your eggs?

Learn More: Read our Chase Sapphire Reserve Review.

Wells Fargo Propel American Express® Card: Best No-fee Card

Wells Fargo Propel American Express Card
  • Welcome Bonus: 20,000 bonus points after spending $1,000 in purchases in the first three months from account opening
  • Earning Potential: 3X points at gas stations, on dining in and out, rideshare services, transit, flights, car rentals, homestays, and streaming services, 1X points on other purchases
  • Annual Fee: $0

A few of these cards in our list of best credit cards for dining offer double or triple points on restaurants.

So does the Wells Fargo Propel American Express Card, with 3X points on restaurants. But what if you’re not in the mood to go out? That’s where this card distinguishes itself from the rest.

Enjoy 3X points on food delivery as well as restaurants, plus other categories like travel, rideshares, transit, and streaming services.

The current welcome bonus is 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.

Pro Tip: Check out all of our Best Gas Credit Cards for 2020.

Hilton Honors American Express Surpass® Card: Best Branded Credit Card

Hilton honors american express surpass card
  • 130,000 Hilton Honors bonus points after spending $2,000 in the first 3 months
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  • Welcome Bonus: 130,000 Hilton Honors Bonus Points after spending $2,000 in the first three months from account opening
  • Earning Potential: 12X points on eligible Hilton purchases, 6X points at restaurants, supermarkets, and gas stations in the U.S., 3X points on other purchases
  • Annual Fee: $95

The Hilton Honors Surpass Card from American Express earns 6X points per dollar spent at U.S. restaurants, which is considerably higher than most credit cards. It also rewards cardmembers with 6X earning at U.S. supermarkets and U.S. gas stations and an impressive 12X on eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.

Complimentary Hilton Honors Gold Status comes with The Hilton Honors Surpass Card. The Surpass Card also earns a free weekend night stay after spending $15,000 on eligible purchases annually.

Travel perks included with this Amex card are car rental damage insurance, 24/7 emergency assistance, no foreign transaction fees, and more.

Capital One® Savor® Cash Rewards Credit Card: Best Overall Dining & Entertainment Card

capital one savor cash rewards credit card
  • Welcome Bonus: $300 cash bonus after spending $3,000 in the first three months
  • Earning Potential: Unlimited 4% cash back on dining and entertainment. 2% cash back at grocery stores. 1% cash back on all other purchases
  • Annual Fee: $95, waived in the first year

The Capital One Savor Cash Rewards card boasts some awesome rewards on both restaurants and entertainment – 4% unlimited cash back, to be exact. On the nights you eat in, you’ll earn 2% cash back at grocery stores, plus 1% cash back on every other purchase.

Currently, you can earn a one-time cash bonus of $300 after spending $3,000 in the first three months of opening your account.

There is a $0 fee for the first year, though there will be a $95 annual fee after that; however, if you find yourself at the movie theaters, this card pays for itself in popcorn alone!

Pro Tip: Check out all of our Best Capital One Credit Cards for 2020.

Ink Business Cash℠ Credit Card: Best Business Dining Credit Card

Chase Ink Business Cash Credit Card
  • earn $500 bonus cash back after spending $3,000 in the first 3 months
  • Learn More >>
  • Welcome Bonus: $500 cash bonus after spending $3,000 in the first three months from account opening
  • Earning Potential: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and internet, cable, and phone services, 2% cash back on the first $25,000 spent in combined purchases at restaurants and gas stations, unlimited1% cash back on other purchases
  • Annual Fee: $0

We had to show some love to Chase’s best cash back business card. Business owners will love earning cash back on purchases in categories that matter to your business.

It makes our list of best dining cards because it earns 2% at restaurants. Whether you are planning a company event, entertaining clients, or on a business trip, all of your dining expenses will earn valuable cash back rewards. You can earn even more rewards with free cards for your employees too.

Ink Business Cash Credit Card has no annual fee. It’s perfect for international travel because of Visa’s worldwide acceptance and no foreign transaction fees.

Pro Tip: Check out all of our Best Small Business Credit Cards for 2020.

Uber Credit Card: Best For Uber Perks

uber visa credit card

  • Welcome Bonus: $100 Uber Cash after spending $500 in the first 90 days from account opening
  • Earning Potential: 5% in Uber Cash on Uber, Uber Eats, and JUMP, 3% back in Uber Cash on dining, hotels, and airfare, 1% in Uber Cash on other purchases
  • Annual Fee: $0

Fans of Uber and Uber Eats will love the perks that come with the Uber Visa Card. Rewards are in the form of Uber Cash, which can be used for Uber rides and Uber Eats deliveries.

This card earns 5% on Uber rides, Uber Eats orders, and JUMP Electric Bike Share. You also get rewarded for dining along with hotel and airfare purchases.

There’s no annual fee for the Uber Visa Card and also no foreign transaction fees, which means it’s ok to use when traveling outside the U.S. The Uber Visa Card also provides mobile phone protection against damage or theft up to $600 when you pay your phone bill with the card.

Discover it® Chrome for Students: Best Student Card

discover it chrome credit card image

  • Welcome Bonus: Unlimited cash back matching at the end of your first year
  • Earning Potential: 2% at gas stations and restaurants up to $1,000 in combined purchases quarterly, 1% for everyday spending
  • Annual Fee: $0

Being in college doesn’t mean you can’t have a little fun. With 2% cash back on the first $,000 combined dining and gas purchases every quarter, you’ll earn rewards when you need a break from your studies.

Student credit cards don’t always offer great rewards, but the Discover it Student Chrome card tries to change that trend.

All of your other spending earns 1% cash back. Plus, Discover it Student Chrome helps students build credit with responsible use. They even offer rewards for getting good grades for up to five consecutive years.

Pro Tip: Check out all of our Best Credit Cards for College Students in 2020.

Discover it® Secured: Best Secured Card

discover it secured credit card image

  • Welcome Bonus: Unlimited cash back matching at the end of your first year
  • Earning Potential: 2% at restaurants and gas stations up to $1,000 in combined purchases quarterly, 1% for everyday spending
  • Annual Fee: $0

Secured credit cards are designed to help people with no credit or bad credit work to rebuild their credit responsibly. Many of life’s most significant financial decisions require a credit check. Through the use of a secured credit card, people can get their financial life back on track.

Secured credit cards are real credit cards, but require a refundable deposit to get started. As you make on-time, full monthly payments, Discover reports them to all three major credit bureaus. You also gain access to your FICO score for free, so that you can track your progress.

Discover it Secured makes our list because it still offers rewards earning as you build your credit. You’ll earn 2% cash back at restaurants and gas stations up to $1,000 in combined purchases quarterly. All other purchases earn an unlimited 1% cash back.

Pro Tip: Check out all of our Best Secured Credit Cards for 2020.

Restaurant Credit Card FAQs

What is considered credit card dining for rewards purposes?

In order to earn the higher rewards rate for dining purchases on many credit cards, the issuers must count your purchase in the “dining” category. Credit card companies differ on what they consider dining, but the category typically includes:

  • Restaurants
  • Cafes
  • Coffee shops
  • Bars
  • Lounges
  • Fast food
  • Dining halls

Some but not all credit cards also reward food purchases through restaurant delivery services like UberEats, DoorDash, and others. One final head’s up: Some cards limit special dining reward rates to restaurants located in the U.S.

Do bars count as restaurants for credit card rewards?

Yes, bars count as restaurants in the eyes of credit card companies and will earn the same rewards as restaurant dining.

What credit card gives you the most cash back at restaurants?

Several credit cards on our list of the best credit cards for dining out offer cash back rewards. The Capital One Savor Cash Rewards Credit Card offers the highest unlimited cash back at 4% cash back on all dining and entertainment purchases.

Check out our list of the best cash back credit cards.

Does Uber Eats count as a restaurant for credit cards?

Not all credit cards reward purchases through Uber Eats or other restaurant delivery services. The Uber Visa Card earns 5% in Uber Cash on Uber Eats purchases. The Apple Card earns 3% cash back on Uber Eats purchases.

Does fast food count as dining?

Yes, fast food counts as dining and will earn dining rewards like any other restaurant.

Best Credit Cards For Dining Out; Is One of These for You?

best credit cards for restaurantsEvery credit card listed above is a little different, but they all have some important features in common that will help you make the most of your meals…er, hobby.

Enjoy your indulgence and spend your hard-earned dollars without guilt on your favorite tacos, Korean hot plates, and more!

Dining out will be that much more enjoyable when you know you are earning the best credit card rewards out there for restaurants.

Just imagine if every dollar you spent (including the tip) was earning you 1, 2 or 3% cash back that you could apply towards travel, gift cards, or hotel rewards.

Well, there’s no need to imagine any longer, because all you need to do is apply to one of the best credit cards for restaurants, and once you’re approved, you’ll enjoy owning one of the best credit cards for dining out in 2020.

Additional Disclosures: Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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