Best Credit Cards for Dining & Restaurants (2026)
Whether you are a regular at your favorite local spot or love trying new restaurants, a great dining card can save you hundreds each year. The best dining cards offer 3-4x rewards at restaurants, including takeout and delivery services, with some even including credits for food delivery apps.
How We Choose These Cards
Our methodology for ranking the best dining cards
All card data is verified against issuer websites and updated monthly. Last verified: March 2026. See our advertiser disclosure for details on how we are compensated.
Top 6 Dining Credit Cards
American Express® Gold Card
The premier card for dining and grocery rewards with outstanding earning rates and valuable credits.
Bonus Categories
Pros
- 75,000 points welcome bonus (~$750 value)
- No foreign transaction fees
- Up to 4x on dining, groceries, flights
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
Cons
- $250 annual fee
- High ongoing APR (up to 28.24%)
- $4,000 spend requirement for bonus
Key Benefits
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
- 4x points on flights booked directly with airlines
- $120 dining credit annually
- $120 Uber Cash annually
- No foreign transaction fees
U.S. Bank Altitude® Go Visa Signature® Card
Earn elevated rewards on dining and takeout with unique streaming service benefits.
Bonus Categories
Pros
- 20,000 points welcome bonus (~$200 value)
- No annual fee
- No foreign transaction fees
- Up to 4x on dining, takeout, restaurants
Cons
- High ongoing APR (up to 29.74%)
Key Benefits
- 4x points on dining including takeout and delivery
- 2x points on streaming services, gas, and EV charging
- No annual fee
- No foreign transaction fees
- Up to $15 streaming credit monthly
Capital One SavorOne Cash Rewards Credit Card
Top cash back card for dining and entertainment with no annual fee.
Bonus Categories
Pros
- 200 cash welcome bonus (~$200 value)
- No annual fee
- No foreign transaction fees
- Up to 3x on dining, entertainment, groceries, streaming
Cons
- High ongoing APR (up to 29.74%)
Key Benefits
- 3% cash back on dining, entertainment, groceries, and streaming
- No annual fee
- No foreign transaction fees
- $200 welcome bonus
- Extended warranty and purchase protection
Chase Sapphire Preferred® Card
Premium travel rewards card with flexible redemption and valuable transfer partners for maximizing points value.
Citi Premier® Card
Versatile travel and dining rewards card with valuable transfer partners and strong earning rates.
Chase Freedom Unlimited®
Straightforward unlimited cash back on every purchase with no rotating categories to track.
Tips for Choosing a Dining Card
- Check whether your card counts food delivery apps like DoorDash and Uber Eats as dining.
- The Amex Gold Card offers $120/year in dining credits plus 4x points at restaurants.
- Pair a dining card with a grocery card for maximum food-related rewards.
- Many dining cards also offer elevated rewards on streaming services.
- If you travel internationally, choose a dining card with no foreign transaction fees.
Frequently Asked Questions
Related Categories
Find Your Perfect Card
Not sure which dining card is right for you? Take our personalized quiz for a custom recommendation.