Best Credit Cards for Dining

The Capital One SavorOne card has no annual fee with a 3% bonus

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Dining expenses represent a considerable portion of most Americans' monthly budgets. Whether you're eating at a sit-down restaurant, grabbing fast food at the drive-thru, or having your meal delivered, this spending adds up quickly. A dining rewards credit card allows you to maximize the cash back, miles, or points you can earn on these purchases. Plus, you may be able to earn a one-time bonus worth hundreds of dollars. These cards also offer additional rewards and benefits at other stores, which can make them an excellent choice for your daily purchases. Here are our winners for the best credit cards for dining.

Best Credit Cards for Dining for August 2021

Best Overall, Best No Annual Fee : Capital One SavorOne Cash Rewards


Rating as a Credit Card for Dining
4.9
Capital One SavorOne Cash Rewards Credit Card
Current Offer

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

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.49% - 25.49% variable
Annual Fee $0
Rewards Earning Rate Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
INTRO PURCHASE APR 0% for 15 Months
Balance Transfer Fee 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Foreign transaction fee (%) 0%
  • Why We Chose This Card:
  • Pros & Cons:
Why We Chose This Card:

The Capital One SavorOne Cash Rewards card is our choice as the best overall card with dining rewards and the best option with no annual fee because of its unlimited 3% bonus cash back on all dining and entertainment purchases, as well as popular streaming services. This card can be a great option for those who want to maximize their earnings on restaurant and entertainment spending without having to spend enough to justify paying a hefty annual fee. It is also an excellent option to pair with another rewards card that earns bonus rewards on other spending categories.

Pros & Cons:
Pros
  • Generous cash rewards on dining and entertainment

  • Doesn’t impose some frequent fees

  • Cash bonus after minimal spend

Cons
  • 0% APR introductory offer is less generous than most

  • Small introductory cash bonus

  • Excellent credit recommended

Read the full Capital One SavorOne Cash Rewards credit card review

Best for Students : Bank of America® Customized Cash Rewards for Students


Rating as a Credit Card for Dining
4.8
Bank of America® Customized Cash Rewards for Students
Current Offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 23.99% variable
Annual Fee $0
Rewards Earning Rate Earn 3% cash back in the eligible category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. You’ll earn 3% and 2% cash back on the first $2,500 in combined categories each quarter, then 1%.
INTRO PURCHASE APR 0% for 15 Statement Closing Dates
INTRO BALANCE TRANSFER APR 0% for 15 Statement Closing Dates
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Foreign transaction fee (%) 3%
  • Why We Chose This Card:
  • Pros & Cons:
Why We Chose This Card:

The Bank of America Customized Cash Rewards for Students card is our pick for best dining rewards card for students because it lets you choose restaurants as your top bonus category. Restaurant meals are a major spending category for many college students, and this card has the advantage of enhanced dining rewards. The card has no annual fee and offers a one-time bonus worth $200 once its initial spending requirements have been met.

Pros & Cons:
Pros
  • 3% cash back on the category of your choice and 2% on groceries up to a quarterly combined spending cap

  • 15-month 0% APR offer on purchases and balance transfers from the time of account opening

  • Overdraft protection and rewards bonuses for banking customers

Cons
  • Foreign transaction fee is less than ideal for those studying abroad

  • Highest rewards earnings are capped

  • Relatively high spending ($1,000 in the first 90 days of account opening) required for $200 introductory one-time bonus

Read the full Bank of America® Cash Rewards for Students credit card review

Best Overall Earnings : Capital One Savor Cash Rewards


Rating as a Credit Card for Dining
4.4
Capital One Savor Cash Rewards Credit Card
Current Offer

$300 Cash Back after you spend $3,000 on purchases within 3 months from account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $95
Rewards Earning Rate Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
Balance Transfer Fee 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Foreign transaction fee (%) 0%
  • Why We Chose This Card:
  • Pros & Cons:
Why We Chose This Card:

The best dining credit card for overall earnings is the Capital One Savor Rewards Credit Card because it earns an unlimited 4% cash back on dining, entertainment, and popular streaming services. It also earns 3% cash back on grocery purchases and 1% on all other charges. Big spenders on dining and entertainment should apply for this card over its sibling, the SavorOne, because of the 1% higher earning rate. To justify the $95 annual fee, you should spend at least $9,500 per year at restaurants, bars, and other eligible purchases, otherwise, the no-fee card is a better choice.

Pros & Cons:
Pros
  • High (and unlimited) rewards earning rate on dining, entertainment, and popular streaming services

  • Valuable travel and cellphone insurance benefits

  • No foreign transaction fee

Cons
  • Annual fee

Read the full Capital One Savor Cash Rewards credit card review

Best Bonus : Chase Sapphire Preferred®


Rating as a Credit Card for Dining
3.8
Chase Sapphire Preferred® Card
Current Offer

Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 22.99% variable
Annual Fee $95
Rewards Earning Rate Earn 2X points on dining, including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
  • Why We Chose This Card:
  • Pros & Cons:
Why We Chose This Card:

We chose the Chase Sapphire Preferred card as the dining rewards card with the best bonus. It offers unlimited 2x points at restaurants globally as well as for spending on travel and groceries. It features the largest welcome bonus, potentially valued at $1,250. Ultimate Rewards points with Sapphire Preferred have a value of 1.25 cents each when redeemed for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards, or for statement credits against grocery, dining, and home improvement purchases. Sapphire Preferred carries a reasonable $95 annual fee relative to its bonus value and ongoing rewards-earning opportunities.

Pros & Cons:
Pros
  • Generous rewards for travel and dining

  • Outstanding one-time bonus for new cardholders

  • Enhanced, 25% points redemption value on travel booked through Chase

Cons
  • $95 annual fee

  • No introductory 0% APR offer

  • Fewer travel benefits than some competing cards

Read the full Chase Sapphire Preferred® credit card review

Best for Business : American Express® Business Gold


Rating as a Credit Card for Dining
3.7
American Express® Business Gold Card
Current Offer

Earn 70,000 Membership Rewards(R) points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.24% - 22.24% variable
Annual Fee $295
Rewards Earning Rate Earn 4 Membership Rewards points per $1 on the 2 eligible categories where your business spent the most each billing cycle, plus earn 1 point per $1 on other purchases.
Cash Advance Fee This card does not offer cash advances

See rates and fees

  • Why We Chose This Card:
  • Pros & Cons:
Why We Chose This Card:

We chose the American Express Business® Gold Card as the best dining rewards card for small business owners. That's because of its 4x points per dollar on two select categories where businesses spend the most (up to $150,000 per year in combined spending), which could include restaurants. Given our average valuation of Membership Rewards points—1.2 cents each—those points can provide a nearly 5% return on business dining. There is a $295 annual fee but also a substantial initial spending bonus of 70,000 points after spending $10,000 in the first three months of account opening.

Pros & Cons:
Pros
  • Excellent and flexible rewards in categories in which you spend the most

  • Large welcome bonus

  • Flexible limits and payment options

  • Bonus of 25% when booking flights using points

Cons
  • Few or no premium travel perks

  • High annual fee

  • Late payment fees can be high

Read the full American Express® Business Gold credit card review

Final Verdict

Dining, takeout, and food delivery services are major expenses for many Americans. Banks are increasingly adding bonus rewards for this spending category to encourage consumers and small businesses to use their credit cards. While there are many worthy options, our choice for the best credit card for dining is the Capital One SavorOne Cash Rewards. It has no annual fee and offers a robust 3% cash back on dining and entertainment purchases, groceries, and popular streaming services with no caps on your spending. The card also offers a welcome bonus and a 0% APR promotion for new applicants.

Compare the Best Credit Cards for Dining

Credit Card Intro Offer Rewards Annual Fee
Capital One SavorOne Cash Rewards
Best Overall, Best No Annual Fee
$200 after $500 in 3 months 0% APR for 15 months on purchases Unlimited 3% dining, entertainment, groceries, and streaming services 1% all else $0
Bank of America® Customized Cash Rewards for Students
Best for Students
$200 after $1,000 in 90 days 0% APR for 15 billing cycles on purchases and balance transfers 3% on 1 out of 6 categories 2% groceries and wholesale clubs 1% all else $0
Capital One Savor Rewards Credit Card
Best Overall Earnings
$300 after $3,000 in 3 months Unlimited 4% dining, entertainment, and streaming services Unlimited 3% at grocery stores 1% all else $95
Chase Sapphire Preferred®
Best Bonus
100,000 points after $4,000 in 3 months Unlimited 2x dining and travel 1x all else $95
American Express® Business Gold
Best for Business
70,000 points after $10,000 in 3 months 4x on 2 categories out of 6 that you spend the most 1x all else $295

Editorial Picks of the Best Credit Cards for Dining

Capital One SavorOne Cash Rewards

Best Overall, Best No Annual Fee

Earn an unlimited 3% cash back on dining, entertainment, streaming services and grocery store purchases with no annual fee. Use the 0% APR introductory offer to avoid interest on your purchases for 15 months.

Read the full Capital One SavorOne Cash Rewards Review.

Bank of America Customized Cash Rewards for Students

Best for Students

Students can earn up to 3% cash back on the first $2,500 they spend each quarter on eight popular categories. The 0% APR offer for 15 billing cycles gives students more time to pay off their purchases and balance transfers.

Read the full Bank of America Customized Cash Rewards for Students Review.

Capital One Savor Rewards Credit Card

Best Overall Earnings

Earn 4% unlimited cash back on dining, entertainment and streaming services and 3% cash back on groceries. The perfect card for big spenders on eating out, takeout, food delivery, bars, and more.

Read the full Capital One Savor Rewards Credit Card Review.

Chase Sapphire Preferred

Best Bonus

Offers one of the largest and most valuable welcome bonuses of any credit card. Earns 2x points on dining and travel purchases anywhere in the world.

Read the full Chase Sapphire Preferred Review.

American Express® Business Gold

Best for Business

Small business owners can earn 4x points (up to $150,000 per year) on the two categories you spend the most in each billing cycle. When you pay for flights with points on your selected airline, you'll receive 25% of those points back (up to 250,000 per year).

Read the full American Express Business Gold Review.

Frequently Asked Questions

How Do Dining Rewards Credit Cards Work?

When you use your credit card, the card issuer recognizes restaurant purchases from the merchant code transmitted to it during the charge settlement process. That way the issuer can apply a bonus dining reward to the total purchase amount.

How to Earn Dining Rewards

  • Meet minimum spend requirement for the one-time bonus
  • Earn bonus points by using a dining rewards credit card at restaurants, food trucks, and bars or when ordering takeout or food delivery
  • Use the credit card for everyday expenses
  • Register and participate in periodic promotions for extra rewards

How to Redeem Dining Rewards

  • Request cash back as a statement credit, deposit to your account, or a mailed check through online banking or by calling customer service
  • Points and miles are automatically transferred into your related account
  • Redeem points and miles for travel, gift cards, and more
  • Take notice of minimum redemption requirements with some credit cards

What Are the Different Types of Dining Rewards?

  • Dining points: Typically offered in multiples or 2x, 3x, or 4X points per dollar
  • Dining miles: Generally 2 miles per dollar
  • Dining cash back: 2%, 3%, or 4% cash back per dollar spent

What Are the Pros and Cons of Dining Rewards Cards?

Pros
  • Compelling earnings on dining purchases

  • Rewards usually apply to the cost of alcoholic beverages purchased in bars and restaurants

  • Often provide bonus rewards on other spending categories, too

Cons
  • Eligible spending may be capped

  • Interest rates can be higher than non-rewards cards

  • May charge an annual fee for the best rewards

Dining Rewards Cards Pros Explained

  • Compelling earnings on dining purchases. Cardholders can automatically earn multiple points or miles, or bonus cash back percentages, on restaurant purchases.
  • Rewards usually apply to the cost of alcoholic beverages purchased in bars and restaurants. Food and beverage purchases at bars as well as drinks at restaurants generally earn enhanced rewards with these cards.
  • Often provide bonus rewards on other spending categories, too. It's rare for dining rewards cards to offer bonuses only on that one category. Most also provide enhanced earnings on other spending, such as gasoline, groceries, etc.

Dining Rewards Cards Cons Explained

  • Eligible spending can be capped. Some dining rewards cards cap total eligible restaurant spending either by itself or in combination with another bonus spending category, which can limit your annual earnings.
  • Interest rates can be higher than non-rewards cards. Rewards are an expensive feature for card issuers to provide, and the more lucrative programs that involve bonuses on big-spending categories like dining can mean that other aspects of the card, such as its interest rates, will be more costly.
  • May charge an annual fee for the best rewards. You may have to pay an annual fee to receive the highest rewards for your dining purchases.

What Kind of Credit Is Required for Dining Rewards?

Generally, you need good or excellent credit (FICO 670 or higher) to qualify for credit cards that offer bonus rewards on dining. This goes for almost all rewards credit cards, regardless of bonus categories, as card issuers can only afford to offer top-line rewards to customers who have a very low risk of paying late or defaulting on any balances they owe. However, some secured credit cards make an exception.

Can You Earn Dining Rewards With Bad Credit?

While dining rewards cards typically require strong credit, there are several cards available for those with bad credit or no credit. These cards are secured, meaning they require that the cardholder make a security deposit with the issuer, which protects the issuer if the cardholder defaults on the debt. A few secured card issuers offer cash back or points on dining purchases, which can help cardholders justify any annual fees they have to pay and also save a bit on the cost of dining out.

Is a Dining Rewards Credit Card Right for Me?

People who frequently dine out, order takeout, or have food delivered are good candidates for a credit card with dining rewards. Each of these cards rewards you for your spending on eating out and many offer additional bonus categories, benefits, and other perks that make them a good choice for your wallet.

Methodology

To find the best dining credit cards, we gathered data points from every credit card that offers rewards related to dining out. Each card's fees, interest rates, earning power, benefits, and more were assigned a rating so that they could be compared against competing cards. The data points were weighted based on their importance for each card category on this list to determine the best dining credit card for that type of customer. We continuously monitor data from card issuers to update card details and our rankings so that our readers have the latest information and recommendations.

MEET OUR CREDIT CARDS EXPERT

Ben Woolsey is Investopedia's Senior Editor for Credit Cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.